Complex Claims Specialist, Miscellaneous Medical Facilities Professional Liability

Liberty Mutual Insurance•Boston, MA

5d•$94,000 - $197,000

About The Position

Liberty Mutual is hiring an experienced Professional Liability claims handler to manage complex Miscellaneous Medical Facilities (MMF) professional liability claims. With minimal supervision, the specialist owns a book of claims through the full lifecycle, applying advanced coverage interpretation, clinical issue analysis, complex litigation management, and prudent reserving to resolve high-exposure matters economically and defensibly. Claims may involve ambulatory surgery centers, urgent care, behavioral health, home health, correctional medicine, and clinical staffing. The role has significant visibility and provides the opportunity to shape strategy for high-severity claims, coordinate clinical and expert resources, and serve as an internal subject-matter resource for underwriting, reinsurance, and senior leadership. The position may require office attendance and travel depending on location. Employees living within 50 miles of a listed office are required to work in an office twice a month; remote candidates may be considered if they do not live within 50 miles of one of those offices. This policy may change. The salary range varies by level, region, location, and factors including skills, experience, education, and certifications. Compensation may include commission or bonus earnings under the applicable compensation plan. Liberty Mutual describes its workplace as inclusive and offers benefits, workplace flexibility, professional development, and Employee Resource Group opportunities.

Requirements

Bachelor's degree and/or advanced degree.
At least 7 years of claims or legal experience.
Advanced knowledge of claims handling concepts, practices, and techniques, including coverage issues and product-line knowledge.
Functional knowledge of law and insurance regulations in various jurisdictions.
Advanced verbal and written communication skills.
Advanced analytical, decision-making, and negotiation skills.
Obtain and maintain an adjuster's license.

Nice To Haves

At least 2 years of experience within a technical specialty.
Medical malpractice claims experience.
J.D.

Responsibilities

Manage professional liability claims from first notice through resolution, including investigation, coverage and liability analysis, damages evaluation, reserving, settlement negotiation, and file closure within authority.
Perform advanced coverage analysis, including duty to defend versus indemnify, occurrence versus claims-made, allocation, additional insured issues, contractual liability, tail exposures, and endorsements; prepare coverage opinions and reservation of rights or declination communications.
Document claims in the Claims Management System and maintain diaries for follow-up actions and deadlines.
Set indemnity and expense reserves within authority, escalate matters beyond authority, and regularly review and justify reserve positions to management and auditors.
Manage litigation by retaining and overseeing outside defense counsel, controlling budgets and billing, directing discovery strategy, and evaluating mediation, arbitration, and trial risks.
Coordinate clinical resources and expert consultants for chart review, causation analysis, and expert testimony.
Collaborate with underwriting, reinsurance, and subrogation on allocation, ceded reporting, and recovery opportunities.
Identify and report claim trends, coverage exposures, and policy issues to management and underwriting; contribute to playbooks, training, and process improvements.
Participate in mediations and arbitrations within settlement authority and support major loss response efforts.
Maintain required adjuster licenses and comply with company litigation and billing guidelines.