AVP- Complex Claims Specialist Business Torts

Travelers • Saint Paul, MN

2d • $132,800 - $219,100

About The Position

As an AVP, Business Torts Complex Claim Liability Specialist, you will investigate, evaluate, negotiate, and resolve the most complex and high-exposure claims across multiple jurisdictions. The role operates with a high degree of autonomy and serves as a subject matter expert on complex, litigated, and coverage-disputed claims. You will collaborate with business partners, reinsurance, legal counsel, underwriting, and leadership to achieve optimal outcomes.

The position directly handles severe and complex General Liability Coverage B, Technology Errors and Omissions, and first- and third-party cyber claims from initiation through resolution. Responsibilities include leading investigations, conducting coverage analysis, drafting reservation of rights and coverage disclaimer letters, evaluating recovery potential, establishing and updating reserves, and managing litigation and resolution strategies. The role also provides claims intelligence on emerging risks, coverage gaps, and loss trends, and mentors claims professionals.

The nationwide annual base salary range is $132,800–$219,100. Actual compensation depends on factors including role scope and complexity, location, skills, education, training, credentials, experience, and other employment conditions. Eligible employees may also receive performance-based cash incentive awards. Travelers offers health coverage, retirement programs, paid time off, wellness resources, and opportunities to support community organizations.

Requirements

• High school diploma or GED.
• At least seven years of bodily injury liability, property damage liability, or comparable claim-related experience.
• Active adjuster license where required by state law.
• Experience with claims management systems and advanced skills in Microsoft Office and enterprise technology systems and platforms.
• Strong written and verbal communication skills, including the ability to interpret and convey complex information clearly to multiple stakeholders.
• Ability to make independent decisions, handle complex claims, evaluate severe losses, and negotiate settlements strategically.
• Strong customer service and stakeholder relationship management skills.
• Strong attention to detail and organizational skills; ability to manage a high-volume workload and prioritize effectively.
• Expert-level negotiation and conflict resolution skills and ability to apply strategic claim-handling practices.
• Ability to manage stress, navigate difficult situations, maintain composure and professionalism under pressure, and take accountability for decisions.
• Expert-level knowledge of insurance principles, policy language, exclusions, ISO forms, and business-line products.
• Strong understanding of state and federal insurance regulations, fair claims practices legislation, and legal requirements, with the ability to apply them to complex claims.
• Ability to learn quickly from experience and apply learning to new situations with speed and flexibility.

Nice To Haves

• Law degree preferred, but not required.
• Ten years of experience handling complex General Liability, Cyber, and Technology Errors and Omissions litigation and/or claims.

Responsibilities

• Directly handle severe and complex General Liability Coverage B, Technology Errors and Omissions, and first- and third-party cyber claims from initiation to resolution, in compliance with company policies and industry regulations.
• Lead end-to-end investigations of high-severity complex claims; conduct coverage analysis, draft reservation of rights and coverage disclaimer letters, and assess recovery potential.
• Establish accurate reserves and adjust them throughout the claim lifecycle to reflect current and anticipated exposure.
• Evaluate complex liability, damage, and recovery issues, including data breach, ransomware, business interruption, errors and omissions, defamation or disparagement, antitrust, unfair competition, and privacy claims.
• Manage assigned files from inception through resolution and participate in selecting counsel and the litigation team where appropriate.
• Develop and execute claim resolution and litigation strategies.
• Attend and participate in mediations, arbitrations, pre-trial conferences, and settlement conferences; negotiate settlements within granted authority levels.
• Identify and assess risk transfer or subrogation opportunities as needed.
• Partner with and present to underwriting, internal stakeholders, and leadership to provide claims intelligence on emerging risks, coverage gaps, and loss trends.
• Mentor and provide technical guidance to claims professionals.
• Acquire and maintain relevant insurance licenses to comply with state and Travelers’ requirements within three months of starting the job.
• Perform other duties as assigned.

Benefits

• Health insurance coverage for employees and eligible family members beginning on the first day of employment.
• Dollar-for-dollar 401(k) matching on contributions up to the first 5% of eligible pay, subject to an annual maximum.
• Paying it Forward Savings Program contributions to an employee’s 401(k) when the employee makes student loan payments.
• Pension Plan funded 100% by Travelers.
• A minimum of 20 days of paid time off annually and nine paid company holidays.
• Wellness program with tools, discounts, and resources for wellness goals and caregiving needs.
• Mental health program with access to free professional counseling services, health coaching, and other resources.
• Matching Gift and Volunteer Rewards program supporting charitable giving and volunteering.
• Performance-based cash incentive awards.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED