Senior Claims Specialist

Bitco National Insurance Co.; Lakewood (CO); Hybrid; USD 70,000 - 120,000; Full time

Benefits offered by this job

Competitive salary

Paid time off

Health coverage

Life insurance

401(k) plan

Job summary

Old Republic Bitco is seeking a Sr. Claims Specialist with experience in California Liability claims handling to join our Denver CO office.

This role supports multi-line claims with emphasis on liability, and offers hybrid/remote work with Pasadena CA or Denver CO locations and occasional travel. Responsibilities include reviewing policy terms, evaluating coverage, negotiating settlements, managing reserves, directing defense counsel, and ensuring regulatory compliance while delivering

Qualifications

• Minimum of 5 years of experience handling liability claims, with focus on California.
• Ability to review policies, endorsements, andDISCLAIMERS to resolve coverage and liability issues.
• Experience in reserving, investigations, and settlement negotiations with counsel and claimants.

Responsibilities

• Review policy conditions and endorsements to resolve coverage/liability issues.
• Prepare reservation of rights letters and coverage Disclaimers.
• Review contracts to determine risk transfer exposures.
• Evaluate claim reserves to reflect exposure.
• Investigate claims and gather statements and records.
• Document investigation and handling activities.
• Negotiate settlements with claimants and counsel; provide settlement documents.
• Maintain knowledge of regulatory requirements.
• Direct defense counsel and other third parties.

Skills

Coverage Review

Claims Investigation

Claims Administration

Claims Settlement

Contract Analysis

Client Communication

Travel Ready

Job description

Old Republic Bitco is seeking a Sr. Claims Specialist with experience in California Liability claims handling to join our branch office located in Denver CO. As a respected specialty insurer with 11 branch offices across 10 states, OR Bitco delivers tailored insurance solutions to complex industries such as construction, forest products, and oil and gas.

This position is open to a hybrid/remote work arrangement, blending flexibility with meaningful in-person collaboration. The hybrid work arrangement would be in Pasadena CA** or Denver CO, with the preference for the candidate being in CA. Candidates should be comfortable with occasional business travel to other OR Bitco offices and offsite locations.

At OR Bitco , our work is guided by core values. We care deeply about our people, partners, and customers. We are committed to excellence and accountability. We deliver on our promises with integrity and precision, and we strive to make a meaningful impact in everything we do. These values drive our mission to protect the people and industries that keep America running.

Join the OR Bitco team and be part of a workplace built on collaboration, open communication, and a positive culture that supports growth and success. If you are passionate about operational excellence and ready to make a measurable impact within a growing, industry-leading organization, OR Bitco offers the platform and challenge you have been looking for.

Position Summary

This position provides key support in the handling of claims across multiple lines of coverage, with a focus on Liability (Commercial Auto, Commercial Property, Construction Defect/Construction General Casualty, and General Liability). This includes assessing claim coverage, liability, legal and damage issues or exposures, investigating, evaluating, and effectively resolving all assigned claims in a timely manner in accordance with company and state regulatory guidelines. Provides a high level of customer service to internal and external business partners.

Primary Responsibilities

• Review, analyze, and interpret policy conditions, exclusions and endorsements to resolve coverage and liability issues for assigned claims
• Prepare reservation of rights letters, nonwaiver agreements, and coverage DISCLAIMERS to address claim coverage issues
• Review, analyze, and interpret various contracts (construction, oil and gas, and others) to determine risk transfer exposures or opportunities.
• Review and evaluate claim reserves to ensure that the respective reserve properly reflects the potential exposure
• Investigate claims to evaluate coverage and legal issues, which may include meeting with Insureds and witnesses, and obtaining statements, records, and other evidentiary materials
• Provide proper documentation and reporting of investigation and claims handling activities
• Negotiates, including through mediation, arbitration, or other court-supervised settlement efforts, settles, and resolves claims with claimants, insureds, and their lawyers; provides appropriate claims resolution documents
• Maintain a working knowledge of regulatory and jurisdictional requirements
• Provides direction to and management of defense counsel, independent adjusters and other third parties retained to assist in a particular claim
• Other duties as assigned

Qualifications

• Minimum of 5 years of experience with the following:
  • Coverage Review – interpreting policies, agreements and DISCLAIMERS
  • Claims Investigation – Statements, authorizations, retention of qualified experts and counsel
  • Claims Administration – Reports, review reserves, compliance knowledge of laws and procedures
  • Claims Settlement – Preparation of disclaimer letters, releases, and proof of loss statements; participation in legal court proceedings when necessary
  • Contract Analysis and Interpretation Experience
• Knowledge of coverage, negligence principles, investigation and negotiation techniques
• Ability to obtain and maintain state adjusting licenses, as needed
• Must be service-oriented, with the ability to provide prompt, efficient, and effective claims and customer service
• Ability to communicate clearly and effectively (written and verbally) with our customers, claimants, opposing counsel, defense counsel, and members of the public
• Ability to manage and organize workload of multiple tasks simultaneously
• Excellent judgement, negotiation, and decision-making skills
• Must be able to travel between different off-site locations or overnight in an expeditious manner
• Experience in handling liability claims in CA required, additional experience in NV, AZ, WA, OR, ID, UT, & CO a plus.

Salary Range

$70,000.00- 120,000.00, commensurate with experience.

• Competitive salary paired with a comprehensive benefits package
• Generous paid time off, plus 12 paid holidays annually
• Comprehensive health coverage, including medical, dental, and vision plans
• Additional protection through accident, critical illness, and hospital indemnity insurance
• Company-paid life insurance equal to 2× annual salary
• Company-paid short-term and long-term disability coverage
• 401(k) Savings and Profit-Sharing Plan through Old Republic
• Ongoing education, training, and professional development opportunities
• Support for industry certifications and insurance designations, including financial assistance
• Flexible scheduling with a two-hour window for start and end times within a 7.5-hour workday
• Opportunities to give back through corporate philanthropy and community service initiatives
• Optional benefits including travel, commuter, and pet insurance
• Employee wellness support through a dedicated fitness program

** The Pasadena CA office will be relocating by year end to a location in Diamond Bar CA

Location(s)

225 S. Lake Ave, Pasadena , California 91101 , United States