Senior Coverage Director: Complex Claims & AI Reasoning

Obsidian; New York (NY); Remote; USD 96,000 - 179,000; Part time

Job summary

Mercor, partnering with a leading AI lab, is seeking Complex Claims and Coverage Directors to craft high-severity coverage scenarios, evaluate results against senior claims standards, and shape how AI reasons about disputed coverage, allocation, and major-loss resolution. Join a practitioner-focused role for senior carrier claims professionals.

No law degree required. The position emphasizes rigorous written analysis, litigation-management planning, and feedback to improve model behavior, with

Qualifications

• 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.
• Evaluated coverage issues and developed claim strategies involving multiple parties, layers, policies, or jurisdictions.
• Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.
• Can distinguish an operational coverage position from formal legal advice and recognize when specialized legal review is required.
• Demonstrate exceptional written reasoning, defensible judgment, and high attention to detail.
• Are comfortable reviewing incomplete records and clearly separating facts, assumptions, open issues, and recommended next steps.

Responsibilities

• Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy
• Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations
• Write "golden" reference responses at senior technical claims quality
• Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline
• Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

Skills

2+ years of professional experience

Coverage issues and claim strategies

Insurer duties and escalation

Legal differentiation in insurance

Strong written reasoning

Attention to detail

Job description

Mercor, partnering with a leading AI lab, is seeking Complex Claims and Coverage Directors to craft high-severity coverage scenarios, evaluate results against senior claims standards, and shape how AI reasons about disputed coverage, allocation, and major-loss resolution. Join a practitioner-focused role for senior carrier claims professionals.

No law degree required. The position emphasizes rigorous written analysis, litigation-management planning, and feedback to improve model behavior, with