Casualty Claims Specialist III

AIG • Jersey City, NJ

3d • $81,000 - $109,000 • Onsite

About The Position

AIG is seeking an experienced casualty claims adjuster to investigate, evaluate, negotiate, and resolve Commercial Auto Liability and Commercial General Liability claims. The role handles a moderate to complex caseload independently, from initial notice through resolution, applying liability analysis, injury evaluation, coverage interpretation, and litigation management. The adjuster works with insureds, claimants, attorneys, brokers, and internal business partners to deliver timely, fair, and compliant outcomes while balancing customer service, financial stewardship, and technical claim expertise.

The position is primarily office-based to support in-person collaboration. AIG describes its Total Rewards Program as offering benefits focused on health, wellbeing, financial security, and professional development. The position is eligible for a bonus under the applicable incentive plan. For positions based in New York, the base salary range is $81,000–$109,000; for positions based in New Jersey, the base salary range is $86,000–$106,000.

Requirements

• At least 4 years of Commercial Auto Liability and/or Commercial General Liability claims-handling experience.
• Demonstrated experience handling bodily injury claims involving moderate to significant exposure.
• Experience interpreting policy coverage and drafting coverage position, reservation of rights, and denial letters.
• Experience managing litigated and non-litigated claims.
• Excellent analytical, investigative, and critical-thinking skills.
• Strong verbal and written communication skills.
• Must obtain required state licensing within six months of hire.

Nice To Haves

• Bachelor's degree, or equivalent combination of education and experience.
• Active Property & Casualty Adjuster License.
• Litigation management experience.
• Multi-state claims-handling experience.
• Experience handling serious bodily injury claims.
• Professional designations such as AIC, CPCU, ARM, or SCLA.
• Prior experience with commercial insurance carriers handling middle-market or large commercial accounts.

Responsibilities

• Conduct prompt, thorough investigations to determine coverage, liability, damages, and compensability.
• Gather and evaluate evidence, including statements, police reports, medical records, expert reports, and other relevant documentation.
• Analyze coverage issues and prepare reservation of rights, denial, and other coverage correspondence as appropriate.
• Evaluate bodily injury, property damage, and exposure-related claims and determine resolution strategies.
• Independently negotiate settlements within established authority levels.
• Develop and execute proactive strategies for timely, cost-effective claim resolution, and identify and mitigate claim exposure.
• Maintain accurate claim documentation supporting decisions and actions throughout each claim.
• Manage litigated files and coordinate with defense counsel on case strategies.
• Review pleadings, discovery responses, deposition summaries, and legal evaluations.
• Monitor litigation budgets and legal expenses.
• Participate in mediations, settlement conferences, and other dispute-resolution proceedings as needed.
• Establish and maintain accurate indemnity and expense reserves with documented rationale, and continuously evaluate reserve adequacy.
• Ensure compliance with company guidelines, statutory requirements, and regulatory standards across applicable jurisdictions.
• Maintain diary and workload-management systems to prioritize and resolve assigned inventory.
• Provide professional, timely, and empathetic customer service and communicate claim status, strategy, and exposure to management and business partners.
• Build working relationships with insureds, brokers, claimants, attorneys, and internal stakeholders.

Benefits

• Bonus eligibility in accordance with the applicable incentive plan.
• Competitive benefits through AIG's Total Rewards Program, with benefits focused on health, wellbeing, financial security, and professional development.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level