Senior Complex Commercial Claims Adjuster – Liability

WCF Insurance; Denver (CO); Hybrid; USD 89,000 - 111,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401K with 6% employer match

Employee Assistance Program (EAP)

Volunteer time off

4 weeks of vacation

Job summary

WCF Insurance is seeking a Complex Commercial Liability Claims Adjuster to join its Commercial General Liability team in a full-time role. The position investigates, documents, and determines coverage and liability for high-exposure, complex and litigated claims, collaborating with defense counsel to achieve favorable outcomes.

You will manage a demanding caseload, review police and expert reports, negotiate settlements within authority, and contribute to loss-reserving decisions while upholding

Qualifications

• At least 5 years of experience handling complex claims and litigation in commercial insurance.
• Experience with construction liability, D&O, and E&O claims is a plus.
• Advanced understanding of state-specific unfair claims practices regulations, policy contracts, and commercial insurance principles.
• Strong knowledge of tort law, insurance coverage, litigation procedures, and negotiation strategies.
• Knowledge of general liability coverage and related insurance principles.
• Ability to interpret medical records, accident reconstruction reports, and legal filings.
• Strong understanding of medical, automotive, and liability terminology and concepts.
• Ability to communicate effectively, both orally and in writing.
• Exceptional organizational, time management, and decision-making skills.

Responsibilities

• Manage a caseload of complex bodily injury claims, including those involving catastrophic injuries and fatalities.
• Conduct thorough investigations, including reviewing police reports, medical records, expert evaluations, and witness statements.
• Assess liability, damages, and coverage to make strategic claim decisions.
• Collaborate with legal counsel in litigation management, including attending mediations, depositions, and trials as necessary.
• Evaluate and negotiate settlements within authority limits while balancing cost efficiency and claim resolution.
• Communicate effectively with policyholders, claimants, attorneys, and other involved parties.
• Ensure compliance with company policies, regulatory requirements, and best practices.
• Provide recommendations on reserve adjustments based on claim developments.
• Work with internal teams, including underwriting, product, and legal, to provide feedback on loss trends and potential risk factors.
• May act as a department trainer regarding the handling of complex injury claims and the litigation process.

Skills

Complex claims handling

Litigation coordination

Insurance principles

Strong communication

Job description

WCF Insurance is seeking a Complex Commercial Liability Claims Adjuster to join its Commercial General Liability team in a full-time role. The position investigates, documents, and determines coverage and liability for high-exposure, complex and litigated claims, collaborating with defense counsel to achieve favorable outcomes.

You will manage a demanding caseload, review police and expert reports, negotiate settlements within authority, and contribute to loss-reserving decisions while upholding