Senior Complex Claims Consultant / Claims Counsel

Davies; United States; On-site; USD 110,000 - 135,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) matching

Paid time off

Paid holidays

Life insurance

Disability coverage

Job summary

Davies North America is seeking a Senior Complex Claims Consultant / Claims Counsel to lead high-severity EPL, Professional Liability, and related coverage claims. You will interpret complex policy language, draft coverage positions, and guide internal teams and carriers through strategic resolution.

The role focuses on EPL, Professional Liability, and related coverage lines, with exposure to BOP and GL claims within program structures.

Qualifications

• Active bar membership and a JD required.
• 7–10+ years of senior-level EPL/GL/Professional Liability claims experience.
• Active adjuster licenses or willingness to obtain.

Responsibilities

• Review and interpret EPL, E&O, BOP, and GL policies and endorsements.
• Analyze coverage issues including wrongful termination, discrimination, and damages.
• Draft coverage position letters and denial letters.
• Oversee complex investigations and advise carriers and counsel.

Skills

JD/Attorney

Senior claims experience

Active adjuster licenses

Insurance coverage analysis

Policy interpretation

Negotiation skills

Education

Juris Doctor (JD) with bar membership

Tools

Claims management systems

Job description

Senior Complex Claims Consultant / Claims Counsel

Department: Claims Administration & Adjusting

Employment Type: Permanent - Full Time

Location: Home United States

Reporting To: Krystal Mutschler

Compensation: $110,000 - $135,000 / year

Description

Our Story

Imagine being part of a team that’s not just shaping the future but actively driving it. At Davies North America, we’re at the forefront of innovation and excellence, blending cutting‑edge technology with top‑tier professional services. As a vital part of the global Davies Group, we help businesses navigate risk, optimize operations, and spearhead transformation in the insurance and regulated sectors.

This role is responsible for managing and resolving high‑severity, complex insurance claims with a strong emphasis on coverage analysis, policy interpretation, and strategic claim resolution. The position focuses primarily on Employment Practices Liability (EPL) and Professional Liability claims, with additional exposure to Businessowners Policy (BOP) and General Liability (GL) claims within program structures.

This role serves as a key subject matter expert for coverage issues, advising internal teams and carriers on complex liability matters and ensuring claims are handled in accordance with applicable laws, regulations, and company guidelines.

This role is well‑suited for either an attorney with insurance coverage experience or a senior complex claims professional with deep expertise in EPL, Professional Liability, and related coverage lines.

Key Responsibilities

• Review and interpret EPL, Professional Liability (E&O), BOP, and GL policies, endorsements, and applicable statutes.
• Analyze coverage issues including wrongful termination, discrimination, harassment, wage and hour exposures, professional negligence, and bodily injury/property damage triggers under GL.
• Draft and issue coverage position letters, including reservations of rights and denial letters, ensuring clarity and compliance with legal and regulatory standards.
• Evaluate and provide input on coverage forms and policy language as needed by carriers.

• Oversee and conduct complex claims investigations involving employment-related allegations, professional services exposures, and occasional GL-related losses.
• Analyze liability and damages in matters involving back pay, front pay, emotional distress, punitive damages, and economic loss.
• Develop and implement strategic approaches for claim resolution, including oversight of litigation when necessary.
• Provide carriers with independent evaluations of claims based on investigation, experience, and input from outside experts and counsel.

• Evaluate exposure and make settlement recommendations, including setting and managing reserves within carrier guidelines.
• Negotiate settlements within authority limits, balancing legal risk, financial exposure, and business objectives.
• Participate in mediations and settlement conferences as required.

• Ensure all claims handling complies with Department of Insurance regulations and internal protocols.
• Maintain accurate and thorough documentation in the claims management system, including coverage analyses and strategic recommendations.

• Serve as a trusted advisor to internal teams and carriers on EPL, Professional Liability, and GL-related coverage issues.
• Act as the primary coverage and strategy resource in interactions with external counsel, policyholders, and other stakeholders.

Skills, knowledge & expertise

• Juris Doctor (JD) with active bar membership in good standing, or
• 7–10+ years of senior-level experience handling EPL, Professional Liability, GL, or similar complex liability claims.

• Active adjuster licenses and willingness to obtain and maintain additional licenses, as needed.
• Demonstrated expertise in insurance coverage analysis and policy interpretation.
• Experience issuing or advising on coverage positions, including RORs and denials.
• Strong understanding of liability, damages, and litigation strategy.
• Experience managing high-frequency EPL programs and familiarity with panel counsel management and billing guidelines in EPL matters.
• Exceptional analytical, negotiation, and communication skills.
• Ability to manage multiple high‑severity, complex claims independently.
• Proficiency with claims management systems and related tools.

• Background in EPL, Professional Liability, or mixed program business including BOP/GL exposure.
• Experience working closely with coverage counsel or in‑house legal teams.
• Prior involvement in program business or specialty lines environments.

Equal Employment Opportunity & Legal Notices

Benefits

At Davies North America, we are dedicated to supporting the well‑being and future of our qualifying employees. Our comprehensive benefits package includes:

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time‑off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non‑exempt employees
• Paid holidays
• Life insurance and short‑term and long‑term disability coverage

Benefit offerings, eligibility, and required employer contributions may vary based on role, classification, and applicable federal, state, and local laws, including those tied to an employee’s primary work location.

Where required by law, the Company provides paid sick leave, paid family and parental leave, and other mandated benefits in accordance with applicable state and local requirements.

Diversity and Inclusion

Davies is dedicated to fostering a diverse and inclusive workplace that embraces a wide range of perspectives and experiences. We believe that diversity of thought is essential for innovation and creativity, and we actively promote an environment where all voices are valued and heard.

Compensation Transparency: The salary range listed reflects the full compensation band for this role across all locations. Actual compensation will be based on factors such as skills, experience, qualifications, and geographic location, which may impact the final offer. We share ranges to remain transparent and consistent with pay equity practices.

Essential Functions The following responsibilities and expectations are considered essential to the successful performance of this role. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform these essential functions.

• Maintain regular and dependable attendance.
• Be available and able to perform job responsibilities during established work hours.

Background Check & Fair Chance Compliance

Any background check or review of criminal history, if applicable to the role, will be conducted only after a conditional offer of employment and in compliance with applicable federal, state, and local laws, including fair‑chance hiring requirements.

Massachusetts Notice It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

AI Policy

At Davies, we value authentic conversations and a fair candidate experience. While candidates may use AI and technology tools to prepare for interviews, we expect interview responses and assessments to reflect each individual's own experience, knowledge, and professional judgment.

We do not use sites like Facebook, Craigslist, or Telegram to recruit or interview potential employees or contractors. If you have been asked to provide any information through any method other than our career portal, please email us at [e-mail]