Senior Claims Strategist: Complex P&C & Client Advocacy

Community Bank, N.A.; North Bailey (NY); On-site; USD 66,000 - 109,000; Full time

Benefits offered by this job

11 paid holidays

401K with generous match

Medical, Vision & Dental insurance

Job summary

OneGroup, a leading insurance and risk management firm, is seeking a Claims Consultant to advise on complex commercial Property & Casualty claims, excluding Workers' Compensation. You will craft claim strategy, consult on coverage, advocate for clients, and coordinate with carriers, counsel, and senior stakeholders.

Primary coverages include Commercial Property, General Liability, Commercial Auto, and more.

Qualifications

• Five or more years of progressively responsible commercial P&C claims experience.
• Demonstrated experience with complex commercial claims, coverage issues, reserves, litigation, settlement considerations, and carrier escalation.
• Strong knowledge of commercial Property, General Liability, Auto Liability, and related P&C coverage forms and claim processes.

Responsibilities

• Lead high-severity, complex, litigated, sensitive, or coverage-challenged claims and develop clear action plans, ownership, and resolution objectives.
• Review liability, financial exposure, reserves, settlement posture, litigation developments, and carrier handling.
• Analyze policy language, endorsements, exclusions, reservations of rights, coverage positions, and denials; advocate for appropriate carrier review and escalation.
• Coordinate with carriers, TPAs, counsel, experts, vendors, and internal leadership while maintaining clear boundaries between consultation, carrier authority, and legal advice.
• Identify subrogation, risk-transfer, tender, indemnification, and recovery opportunities when applicable.
• Serve as the claims advisor for assigned clients and lead large-loss reviews, stewardship and service plan discussions, and executive claim presentations.
• Provide proactive, practical updates that explain significant developments, business implications, client actions, and next steps.
• Evaluate carrier and TPA performance, address delays or service concerns, and elevate unresolved issues to appropriate leadership.
• Contribute claims insight to renewal, placement, retention, and carrier-selection discussions.
• Review loss runs, reserves, claim duration, severity, closure activity, and recurring loss drivers; translate findings into practical recommendations.
• Partner with Risk Management Consultants to connect claim trends with loss-prevention and risk-mitigation opportunities.
• Partner with Producers, account service teams, and other stakeholders to support client needs, new business, retention, and effective handoffs.
• Contribute to service standards, escalation procedures, training, and continuous process improvement.
• Maintain accurate and timely claim documentation, diary dates, communications, advice, and next steps in Applied Epic and other approved systems.
• Protect confidential information and follow privacy, cybersecurity, documentation, escalation, and E&O-risk-management requirements.

Skills

Commercial P&C claims

Complex claims

Coverage analysis

Negotiation

Communication

Client communication

Applied Epic

Microsoft 365

Large accounts

Education

Bachelor's or Associate degree in insurance/risk management

AIC ARM CPCU designation

P&C license

Tools

Applied Epic

Microsoft 365

Job description

OneGroup, a leading insurance and risk management firm, is seeking a Claims Consultant to advise on complex commercial Property & Casualty claims, excluding Workers' Compensation. You will craft claim strategy, consult on coverage, advocate for clients, and coordinate with carriers, counsel, and senior stakeholders.

Primary coverages include Commercial Property, General Liability, Commercial Auto, and more.