Claims Specialist, Fine Art & Specie

AXA•Hartford, CT

About The Position

The Claims Specialist will evaluate and handle complex insurance claims and manage litigation within AXA XL’s Property/Specialty Claims Team, primarily focusing on Fine Art & Specie claims, with property or marine losses also included to balance workload. The role manages and resolves claims in collaboration with the Claims Manager, fellow Claims Specialists, Underwriting, and other internal and external stakeholders. The specialist is expected to drive claims to resolution and achieve the best possible outcomes for AXA XL and its clients through proactive resolution and settlement. As the claim file owner, the specialist establishes and implements adjustment plans, maintains complete claim documentation, follows claim-handling guidelines and protocols, and works with the Claims Manager on large and complex losses. The role includes determining when to engage external vendors, setting vendor strategies, managing expenses, and partnering with counsel on effective, cost-efficient litigation strategies. The specialist also contributes to quality reviews, process improvements, underwriting support, reporting, trend monitoring, and customer service. The position reports to the Claims Manager, Specialty. Applicants must be legally authorized to work in the United States without current or future sponsorship. The stated U.S. base salary range is USD 88,500–154,900, with actual pay dependent on skills, experience, and location.

Requirements

Ability to manage Fine Art & Specie claims across multiple state jurisdictions, including timely intake, accurate coverage analysis, negotiation, and resolution.
Knowledge of the insurance industry, claims processes, policy language, and the regulatory environment.
Developing expertise in multi-state statutes and procedures and the ability to apply them to claims evaluation, coverage determinations, and litigation support.
Specialized claims-handling capabilities in the assigned area, including exposure assessment, loss estimation, subrogation opportunities, and file closure.
Interpersonal, negotiation, and communication abilities to build trust and explain complex information clearly to policyholders, brokers, service providers, and internal teams.
Analytical and problem-solving abilities, including data-driven trend analysis, reserve forecasting, and identifying process improvements.
Independent judgment and ability to make critical business decisions consistent with policy, risk appetite, and legal requirements, and to know when to escalate.
Proficiency in Microsoft Office Suite and relevant claims management and document management systems; ability to use data to inform decisions.
Excellent written and verbal communication skills, including the ability to explain complex coverage issues to technical and non-technical audiences.
Ability to adapt to a fast-paced, deadline-driven environment and prioritize, multitask, and collaborate across functions.
Legally authorized to work in the United States without sponsorship now or in the future.

Responsibilities

Proactively manage assigned Fine Art & Specie claims and establish and implement adjustment plans.
Ensure claim files contain required documentation and comply with Claim Handler Guidelines and protocols.
Handle complex and challenging claims within the role’s authority and specialization; also handle property or marine losses as needed to balance workload.
Collaborate with the Claims Manager on large and complex losses to achieve optimal outcomes for clients and AXA XL.
Determine whether external vendors should be engaged, establish strategic plans with vendors, identify large losses, and take steps to achieve the best possible claim outcomes.
Partner with internal and external counsel to develop and pursue effective, cost-efficient litigation strategies.
Proactively manage expenses using thoughtful expense management and claims best practices.
Participate in the quality review process.
Identify and participate in short- and long-term process improvement initiatives, and help embed new initiatives.
Assist Underwriters with policy review and drafting initiatives, participate in external marketing and business development, and share lessons and trends to improve risk assessment and underwriting.
Coordinate communications with internal and external stakeholders, including Underwriting, brokers, reinsurers, and external vendors, to support high-quality customer service.
Produce internal reporting in support of best practices and reserving guidelines.
Identify, monitor, and report emerging liability and coverage trends.
Stay current on state and territory regulations, issues, industry activity, and trends.