Complex Claims Specialist

Harford Mutual Insurance Group•Bel Air, MD

4d•Hybrid

About The Position

The Complex Claims Specialist exercises independent judgment and discretion in the investigation, evaluation, negotiation, and resolution of highly complex, high-severity commercial casualty claims. The role serves as a technical resource to the claims organization, providing oversight, guidance, and strategic direction on significant exposure claims involving litigation, catastrophic injuries, complex coverage issues, and large financial exposures.

Requirements

Minimum four-year degree or comparable work experience; JD is a plus
Minimum of 12 years’ industry experience
Completion CPCU, AIC, SCLA or equivalent
Knowledge and understanding of litigation process.
Ability to understand and analyze insurance coverage

Responsibilities

Provide technical oversight of complex auto claims, including the identification and evaluation of commercial auto claims with significant severity potential.
Direct claim handling of complex claims, typically in excess of $250,000, & handling of complex coverage claims.
Actively coordinate claim file reviews with insured and agent.
Provide mentorship and guidance to claims staff on complex casualty claims.
Provide constant communication and feedback to claims staff and management regarding complex claims.
Maintain lawsuit record keeping & monitor defense counsel adherence to litigation procedures
Participates in complex exposure analysis and strategies.
Devise and implement Alternative Dispute Mechanisms.
Develop and implement litigation expense reduction methods.
Reduce and monitor number of open lawsuits.
Attend trials, settlement conferences and other discovery processes, as well as negotiate settlements
Perform field investigation where necessary.
Review and establish appropriate reserves.
Provide necessary information to reinsurers and affiliates.