Senior Complex Liability Claims Adjuster (High-Exposure)

Raphael and Associates; United States; Remote; USD 120,000 - 150,000; Full time

Benefits offered by this job

Competitive compensation

Performance-based incentives

Paid time off

Comprehensive medical/dental/vision/Li

Life insurance

401(k) plan with company matching

Job summary

Raphael & Associates is a globally recognized third-party claims administrator and independent claims adjusting firm. We seek an experienced Complex Liability Claims Adjuster to manage high-exposure General Liability and Excess Liability claims, including significant financial exposure and complex coverage issues.

The ideal candidate will have strong analytical and negotiation skills, advanced coverage expertise, and the ability to work with defense counsel, insureds, brokers, and internal

Qualifications

• 7–10+ years managing complex General Liability and/or Excess Liability claims.
• Active Resident State Licensing and an active New York Adjuster license required.
• Experience handling litigated casualty claims from inception to resolution.
• Strong knowledge of liability coverage, tort law, and claims handling best practices.

Responsibilities

• Investigate, evaluate, and resolve complex General Liability and Excess Liability claims, including high-exposure bodily injury, property damage, catastrophic losses, and litigated matters.
• Analyze coverage, liability, damages, and exposure to develop effective claim strategies.
• Establish, maintain, and adjust reserves in accordance with company guidelines and best practices.
• Manage litigated claims in partnership with defense counsel, including oversight of pleadings, discovery, motion practice, mediation, and trial preparation.
• Review medical records, expert reports, and damage evaluations to assess claim exposure.
• Negotiate settlements within authority and provide recommendations on high-value claims.
• Maintain accurate, timely, and well-documented claim files.
• Communicate effectively with insureds, claimants, attorneys, brokers, and internal business partners.
• Ensure compliance with regulatory requirements, company standards, and service expectations.

Skills

Negotiation

Analytical skills

Communication

Decision making

Education

State licensing

Tools

Claims management systems

Microsoft Office

Job description

Raphael & Associates is a globally recognized third-party claims administrator and independent claims adjusting firm. We seek an experienced Complex Liability Claims Adjuster to manage high-exposure General Liability and Excess Liability claims, including significant financial exposure and complex coverage issues.

The ideal candidate will have strong analytical and negotiation skills, advanced coverage expertise, and the ability to work with defense counsel, insureds, brokers, and internal