Sr. Commercial Liability Claim Representative - Irvine, CA
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Job summary
Travelers Insurance in Irvine, CA seeks an experienced claims professional to handle severe bodily injury claims. The role requires strong negotiation, analytical thinking, and excellent communication with policyholders and attorneys.
You will manage files, determine liability and damages, and coordinate with counsel for complex cases. The ideal candidate will bring 2+ years of bodily injury liability experience, solid policy knowledge, and a focus on high-quality service while maintaining
Qualifications
- Two years bodily injury liability claim handling experience or comparable litigation claim experience.
- Thorough understanding of policy language, exclusions and ISO forms.
- Strong negotiation and customer service skills.
Responsibilities
- Directly handles assigned severe claims.
- Provides quality customer service and ensures file quality and timely coverage analysis.
- Investigates claims by contacting policyholders, claimants and witnesses to determine liability and damages.
- Manage claim files and maintain documentation per procedures.
- Recommends cases for roundtables and discusses outcomes with panel counsel as needed.
- Assists in budgeting and cost control, including managing reserves and expenses.
Skills
Education
Job description
ATTENTION MILITARY AFFILIATED JOB SEEKERS - Our organization works with partner companies to source qualified talent for their open roles. The following position is available to Veterans, Transitioning Military, National Guard and Reserve Members, Military Spouses, Wounded Warriors, and their Caregivers. If you have the required skill set, education requirements, and experience, we will consider your application.
Taking care of our customers, our communities and each other. Thats the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.
Claim
The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards.
Salary Range
$85,600.00 - $141,200.00
1
This position is eligible for a sign-on bonus.
Directly handles assigned severe claims.
Provides quality customer service and ensures file quality and timely coverage analysis and communication with insured based on application of policy information to facts or allegations of each case.
Consults with Manager on use of Claim Coverage Counsel as needed.
Directly investigate each claim through prompt and strategically-appropriate contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts to determine the extent of liability, damages, and contribution potential. Interview witnesses and stakeholders; take necessary statements, as strategically appropriate.
Completes outside investigation as needed per case specifics.
Actively engages in the identification, selection and direction of appropriate internal and/or external resources for specific activities required to effectively evaluate claims, such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators, and other experts.
Verifies the nature and extent of injury or property damage by obtaining and reviewing appropriate records and damages documentation.
Maintains claim files and documents claim file activities in accordance with established procedures.
Utilizes evaluation documentation tools in accordance with department guidelines.
Proactively review Claim File Analysis (CFA) for adherence to quality standards and trend analysis.
Utilizes diary management system to ensure that all claims are handled timely. At required time intervals, evaluate liability and damages exposure.
Establishes and maintains proper indemnity and expense reserves.
Recommends appropriate cases for discussion at roundtable.
Attends and/or presents at roundtables/ authority discussions for collaboration of technical expertise resulting in improved payout on indemnity and expense.
Actively and enthusiastically shares experience and knowledge of creative resolution techniques to improve the claim results of others.
Develops and employs creative resolution strategies.
Promptly and properly disposition all claims within delegated authority.
Negotiates disposition of claims with insureds and claimants or their legal representatives.
Recognizes and implements alternate means of resolution.
Manages litigated claims. Develops litigation plan with staff or panel counsel, including discovery and legal expenses, to assure effective resolution and to satisfy customers.
Applies litigation management through the selection of counsel, evaluation and direction of claim and litigation strategy.
Tracks and controls legal expenses to assure cost-effective resolution.
Effectively and efficiently manage both allocated and unallocated loss adjustment expenses.
Attends depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.
Updates appropriate parties as needed, providing new facts as they become available, and their impact upon the liability analysis and settlement options.
Recognizes cases, based on severity/ complexity protocols that should be transferred to another level of claim professional and refers on a timely basis.
Appropriately deals with information that is considered personal and confidential.
Fulfills specific service commitments made to certain accounts, as outlined in Special. Account Communication (SAC) instructions and inquiries from agents and brokers.
Represents the company as a technical resource; attends legal proceedings as needed, acts within established professional guidelines as well as applicable state laws.
Actively provides mentoring and coaching to less experienced claim professionals to increase the technical expertise and improve bench strength.
Shares accountability with business partners to achieve and sustain quality results.
Evaluates all claims for recovery potential; directly handles recovery efforts and/or engage and directs Company resources for recovery efforts.
In order to perform the essential functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) must be obtained within three months of starting the job and obtain ongoing continuing education credits as mandated.
Perform other duties as assigned.
483683BR
High School/GED
Bachelors Degree.
3 years bodily injury liability claim handling and/or litigation experience.
Skilled in coverage, contract interpretation, liability and damages analysis and has a thorough understanding of the litigation process, relevant case and statutory law and expert litigation management skills.
Extensive claim and/or legal experience and technical expertise to evaluate severe and complex claims.
Able to make independent decisions on most assigned cases without involvement of supervisor.
Openness to the ideas and expertise of others actively solicits input and shares ideas.
Thorough understanding of business line products, policy language, exclusions, ISO forms, and effective claims handling practices.
Strong negotiation and customer service skills. - Intermediate.
Demonstrated coaching, influence and persuasion skills.- Intermediate.
Strong written and verbal communication skills are required so as to understand, synthesize, interpret and convey, in a simplified manner, complex data and information to audiences with varying levels of expertise.- Intermediate.
Strong technology aptitude; ability to use business technology tools to effectively research, track, and communicate information. - Intermediate.
Attention to detail ensuring accuracy –Intermediate.
Analytical Thinking - Intermediate.
Judgment/Decision Making - Intermediate.
Communication - Intermediate.
Negotiation - Intermediate.
Insurance Contract Knowledge - Intermediate.
Principles of Investigation - Intermediate.
Value Determination - Intermediate.
Settlement Techniques - Intermediate.
Legal Knowledge - Basic.
Medical Knowledge - Intermediate.
Two years bodily injury liability claim handling experience or comparable litigation claim experience.
Irvine
California
Claims
Ins Insurance
Travelers Insurance
$75,000-$100,000
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