AVP- Complex Claims Specialist Business Torts

Travelers • St. Paul, MN

4d • $132,800 - $219,100

About The Position

The AVP, Business Torts Complex Claim Liability Specialist investigates, evaluates, negotiates, and resolves the most complex and high-exposure claims across multiple jurisdictions. Working with a high degree of autonomy, the role serves as a subject matter expert on complex, litigated, and coverage-disputed claims and collaborates with business partners, reinsurance, legal counsel, underwriting, and leadership to achieve optimal outcomes.

The specialist 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, assessing recovery potential, setting and adjusting reserves, and developing claim and litigation strategies. The role also participates in litigation proceedings and settlement negotiations, identifies risk-transfer and subrogation opportunities, shares claims intelligence with stakeholders, and mentors claims professionals.

The position requires a high school diploma or GED and at least seven years of bodily injury liability, property damage liability, or comparable claim-related experience. The ideal candidate has ten years of complex General Liability, Cyber, and Technology Errors and Omissions litigation and/or claims-handling experience. A law degree is preferred but not required. Relevant insurance licenses must be acquired and maintained as required by state law and Travelers’ requirements, with required licenses obtained within three months of starting.

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.
• Exceptional written and verbal communication skills, including the ability to interpret complex information and communicate it clearly to multiple stakeholders.
• Ability to make independent decisions, handle complex claims, evaluate severe losses, and negotiate settlements strategically.
• Strong customer service and relationship-management skills.
• Attention to detail and organizational skills, with the ability to manage a high-volume workload and prioritize effectively.
• Expert-level negotiation and conflict-resolution skills, including the ability to apply strategic claim-handling practices.
• Ability to manage stress, navigate difficult situations, and maintain composure, professionalism, and accountability under pressure.
• 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.
• Acquire and maintain relevant insurance licenses as required by state law and Travelers’ requirements; required license acquisition is due within three months of starting.

Nice To Haves

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

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 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, damages, and recovery potential involving matters such as data breaches, ransomware, business interruption, errors and omissions, defamation or disparagement, antitrust, unfair competition, and privacy.
• Manage assigned files from inception through resolution; participate in selecting counsel and litigation teams where appropriate, and 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 and subrogation opportunities as needed.
• Partner with and present claims intelligence to underwriting, internal stakeholders, and leadership regarding emerging risks, coverage gaps, and loss trends.
• Mentor and provide technical guidance to claims professionals.
• Acquire and maintain relevant insurance licenses in accordance 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 contributions up to the first 5% of eligible pay, subject to an annual maximum.
• Paying it Forward Savings Program, through which Travelers makes an annual 401(k) contribution when an employee makes a student loan payment.
• Pension Plan funded 100% by Travelers.
• Minimum of 20 days of paid time off annually.
• Nine paid company holidays.
• Wellness program with tools, discounts, and resources supporting wellness goals and caregiving needs.
• Mental health program with access to free professional counseling, health coaching, and other resources.
• Matching Gift and Volunteer Rewards program supporting charitable giving and volunteering.

What This Job Offers

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