General Liability Claims Examiner

The Jonus Group•Jersey City, NJ

12d•Remote

About The Position

Our client, a respected Property & Casualty insurance organization, is seeking an experienced General Liability Claims Examiner to join its growing Claims team. This position is ideal for a seasoned claims professional with extensive coverage knowledge and experience handling complex commercial general liability claims from inception through resolution. The ideal candidate will have a strong background in drafting Reservation of Rights (ROR) letters, conducting detailed coverage analysis, and managing high-exposure liability claims involving premises liability, construction, products liability, and liquor liability exposures.

Requirements

4+ years of commercial General Liability claims handling experience.
Extensive experience handling complex casualty claims involving: Premises Liability, Slip & Fall, Construction Defect / Construction Liability, Product Liability, Dram Shop / Liquor Liability.
Strong coverage analysis experience with the ability to interpret complex commercial insurance policies.
Demonstrated experience drafting Reservation of Rights letters, coverage position letters, and denial letters.
Experience managing litigated claims from assignment through resolution.
Excellent negotiation, analytical, and investigative skills.
Ability to evaluate liability and damages while making sound coverage decisions.
Strong written and verbal communication skills.
Proficiency using electronic claims management systems.

Nice To Haves

Bachelor's degree preferred or equivalent claims experience.

Responsibilities

Investigate, evaluate, negotiate, and resolve complex General Liability claims in accordance with policy provisions and applicable laws.
Analyze insurance policies to determine coverage, identify potential coverage issues, and communicate claim decisions effectively.
Draft and issue Reservation of Rights letters, coverage position letters, denial letters, and other coverage-related correspondence.
Manage claims involving: Slip & Fall, Premises Liability, Construction Liability, Product Liability, Dram Shop / Liquor Liability.
Conduct detailed liability investigations, including witness interviews, evidence review, and analysis of medical records and legal documentation.
Establish appropriate reserves and maintain accurate claim documentation throughout the life of each claim.
Negotiate settlements within authority and collaborate with management on high-exposure matters.
Retain and manage defense counsel, coverage counsel, independent adjusters, and subject matter experts as needed.
Develop litigation strategies in partnership with defense counsel while monitoring legal expenses and case progression.
Ensure compliance with state regulations, company guidelines, and best claims handling practices.
Maintain exceptional customer service while balancing the interests of policyholders, claimants, and business partners.