Sr. General Liability Claims Representative

Frank Winston Crum Insurance; Clearwater (FL); On-site; USD 63,000 - 83,000; Full time

Benefits offered by this job

Health Insurance

Dental and Vision Insurance

Short‑term disability

401(k) with 100% match up to 4%

Paid time off

Education benefit program

PTO cash out

Tickets at Work

Employee referral programs

Disaster relief fund

Job summary

Frank Winston Crum Insurance is seeking a Sr. GL Claims Representative in Florida to adjust low-to-moderately complex general liability claims.

The role emphasizes coverage interpretation, strategy, and timely resolutions, including occasional litigation support. Candidates should have 5+ years of adjusting commercial liability and hold Florida and/or Texas Public Adjuster licenses, with a college degree preferred.

Qualifications

• Five (5) or more years of experience in adjusting commercial liability claims, with a proven record of increasing responsibility, appropriate claim outcomes and excellent customer service is required.
• College degree preferred, high school diploma or equivalent needed.
• Must hold Proper Public Adjuster licenses in Florida and/or Texas and other states with the ability to obtain additional licenses as needed.

Responsibilities

• Investigates, evaluates and resolves an inventory of low to moderately complex general liability claims, some may be litigated and involve large property damage, bodily injury and construction defect type claims.
• Analyses policy language and loss facts to reach coverage decisions and communicates the company’s position.
• Negotiates settlements in good faith to achieve fair outcomes.
• Provides clear, professional written communications to insureds, claimants, attorneys and agents.
• Reserves and documents damages; escalates cases with potential exposure beyond authority.
• Manages litigated claim files from inception to closure and collaborates with defense counsel on action plans.
• Negotiate the duty to defend and indemnify with liable insurers when appropriate.
• Retains experts and vendors to optimize claim outcomes while managing costs.
• Maintains timely file notes and produces reports including large loss notifications.

Skills

General liability claims

Litigation management

Communication skills

Negotiation

Public Adjuster license (FL/TX)

Education

College degree preferred

High school diploma or equivalent

Job description

Sr. General Liability Claims Representative

Frank Winston Crum Insurance (FWCI) issues Workers' Compensation and General Liability policies by offering flexible coverage and payment options to meet the varied needs of businesses. Over the years, FWCI has grown from a single-state insurance carrier to one licensed in over 40 states and continues to expand. FWCI has enhanced its value‑added services while maintaining a commitment to doing the right things for the right reasons.

We are eager to announce a Sr. GL Claims Representative position that offers many exciting opportunities. This job contributes to the mission of FrankCrum by adjusting an inventory of low‑to‑moderately complex general liability claims and assisting in establishing the best and most cost‑effective strategy for handling this type of claim.

Responsibilities

• Investigates, evaluates and brings to timely resolution an inventory of low to moderately complex general liability claims, some of which are litigated and may involve large property damage, bodily injury, inland marine and a subset of construction defect type claims in accordance with established claim handling standards and applicable state regulations and laws.
• Understands general liability coverage issues and can analyze and interpret commercial policy language in conjunction with specific facts of loss to reach appropriate coverage decisions and effectively communicate the company’s coverage position verbally and in writing, including reservation of rights and denial of coverage letters.
• Composes a variety of other written communications to insureds, claimants, attorneys and agents in a professional and error‑free manner.
• Understands and interprets construction contracts and applies risk transfer when appropriate.
• Evaluates and documents damages to ensure accurate and timely reserves; immediately escalates to management cases with potential exposure above your authority.
• Negotiates effectively and in good faith to achieve fair and accurate claim settlements.
• Manages litigated claim files proactively from inception to closure, including collaboration with defense counsel to determine and execute an appropriate plan of action; brings litigated cases to resolution either by negotiated settlement or trial, as appropriate.
• Negotiates the duty to defend and indemnify with liable insurers when appropriate.
• Retains experts and vendors to achieve appropriate claim outcomes while remaining mindful of loss‑adjustment expenses.
• Manages assigned workloads effectively to achieve quality and quantity production goals while providing superior customer service.
• Implements strategies to expeditiously close files and manage claims to a conclusion in the most effective manner possible.
• Documents all notes and file activity in a paperless claim system appropriately and clearly; composes detailed periodic reports including claim summary reports and large loss notifications, as needed.
• Communicates with other departments regarding developments on specific claim files as well as overall claim trends.
• Demonstrates an understanding of reserving requirements and philosophies and can maintain appropriate reserves on all assigned claim files.

The Attributes We Seek

Keys to success in this position include an understanding of commercial lines products, policy language, exclusions, ISO forms, and effective claim handling practice, as well as a moderate level of knowledge and skill in claim handling and litigation management.

Five (5) or more years of experience in adjusting commercial liability claims, with a proven record of increasing responsibility, appropriate claim outcomes and excellent customer service is required. College degree preferred, high school diploma or equivalent needed. Must hold Proper Public Adjuster licenses in Florida and/or Texas and other states with the ability to obtain additional licenses as needed.

Benefits

• Health Insurance is zero dollar pay‑check cost for employee's coverage and a low cost for family plan.
• Dental and vision insurance.
• Short‑term disability and term life insurance at no cost to the employee.
• Long‑term disability and voluntary term life insurance.
• Supplemental insurance plans such as accidental, critical illness, hospital indemnity, legal services, and pet insurance.
• 401(k) retirement plan where FrankCrum matches 100% of the first 4% the employee contributes, with immediate vesting of the employer match.
• Flexible spending accounts for medical and dependent‑care reimbursement.
• Health savings account funded by FrankCrum.
• Paid time off and holiday pay.
• Education benefit program at the IRS maximum allowance.
• PTO cash out.
• Tickets at Work.
• Alero Financial and its robust credit union benefits program.
• Employee and client referral bonus programs.
• Disaster relief fund for employees.

Pay Data

As required by applicable state and/or local regulations, the following pay data provides a reasonable estimate of the compensation range for this position at the time of posting. FrankCrum may ultimately pay more or less than the posted pay range due to many economic and individualized considerations. The pay offered to the selected candidate will be based on factors including, but not limited to qualifications, knowledge, licensure, skills, abilities, work experience, education, budget, training, employment trends, internal wage considerations, market dynamics, certifications, geographical location, assessments, and other business and organizational needs. The annualized pay range at the time of initial posting for this position is $63,000 - $83,000. These figures represent the annualized pay for both hourly and salaried types of positions and do not indicate employment is on a yearly basis nor remove the employee’s employment at‑will status.

FrankCrum is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth and pregnancy‑related conditions), gender identity or expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, genetic information, or any other characteristic protected by applicable federal, state or local laws and ordinances.