Senior Complex Commercial Liability Claims Adjuster

WCF Insurance; Boise (ID); Hybrid; USD 89,000 - 111,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401K with a generous 6% employer match

Employee Assistance Program (EAP)

Time off to volunteer in the local社区

All employees earn 4 weeks of vacation

Job summary

WCF Insurance seeks a Complex Commercial Liability Claims Adjuster to manage high-exposure liability claims. This full-time role reports to the Manager, Commercial Liability Claims and involves investigation, coverage assessment, and collaboration with defense counsel across diverse regional offices in the West.

Candidates should have at least 5 years of experience in commercial insurance claims and know-how in tort law, coverage, and negotiation.

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.
• 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 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 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

Construction liability

D&O/E&O claims

Tort law

Insurance principles

Medical record interpretation

Negotiation strategies

Communication skills

Organizational skills

Job description

WCF Insurance seeks a Complex Commercial Liability Claims Adjuster to manage high-exposure liability claims. This full-time role reports to the Manager, Commercial Liability Claims and involves investigation, coverage assessment, and collaboration with defense counsel across diverse regional offices in the West.

Candidates should have at least 5 years of experience in commercial insurance claims and know-how in tort law, coverage, and negotiation.