Product Expert – Liability Assessment (Claims)

Assured • Palo Alto, CA

7d

About The Position

Assured is on a mission to modernize insurance. Claims processing (i.e. should we pay this claim?), while often overlooked, is the foundation of the entire industry. It’s currently highly manual, involving phone calls, faxes, and gut instinct, costing tens of billions of dollars a year. We can do better.
At Assured, we provide large insurers with the software solutions they need to win in a modern, technology-driven world. From self-service claim-filing software to backend fraud detection, we’re the engine that powers claims processing for some of the largest insurers in the world.
The challenges we face are deep and diverse, from creating digital experiences that provide comfort and clarity to claimants at their most stressed and vulnerable to orchestrating large-scale ML-driven decision-making on billions of dollars of claims payments, life at Assured is dynamic, collaborative, and rewarding.
Assured Insurance Technologies is seeking a Product Expert with a deep specialization in liability determination to serve as an advisor and subject-matter expert (SME) within our organization. This role will focus on reviewing, validating, and enhancing our liability assessment product, with the ultimate goal of improving the accuracy, defensibility, and transparency of liability predictions. It will influence how that information flows through systems, and where enhancements can meaningfully impact claim outcomes, cycle time, reserving accuracy, and financial performance.
This is not a traditional adjusting role. Instead, you will work closely with Product, Engineering, and Data teams and apply your expertise to shape how liability is structured, evaluated, and surfaced within a modern technology platform.

Requirements

• Prior experience working at a major carrier as a claims adjuster
• Deep understanding of liability evaluation within P&C claims (including comparative negligence and litigation exposure)
• Experience working closely with product, engineering, and operational teams
• Proven ability to assess complex workflows and identify high-impact improvements
• Comfort owning ambiguous, high-leverage initiatives with measurable financial impact
• Strong written and verbal communication skills

Responsibilities

• Conduct an end-to-end review of liability assessment within claims
• Examine how fault is determined, documented, updated, and used from FNOL through resolution, including shared liability, comparative negligence, and evolving investigations.
• Develop deep expertise in how liability is captured and supported by data
• Understand what information adjusters rely on (statements, police reports, scene evidence, damages, witness accounts), how it is structured in the system, and where critical gaps exist.
• Identify breakdowns in liability documentation and workflow
• Surface inconsistencies in fault coding, incomplete documentation, reserve misalignment, approval bottlenecks, or downstream reporting issues tied to liability determinations.
• Support the integrity of liability-related data across systems
• Ensure liability indicators, percentage of fault, exposure evaluation, and related financial impacts are accurately captured and consistently reflected.
• Define standards for liability accuracy and defensibility
• Establish expectations for documentation quality, decision rationale, updates to liability stance, and alignment between investigation findings and reserves or settlements.
• Partner cross-functionally to resolve root causes
• Collaborate with Product, Engineering, Claims Operations, and Leadership to address systemic issues affecting liability clarity and decision quality.
• Improve both inputs and outputs tied to liability decisions
• Enhance how evidence and fault indicators are collected and structured, and improve how liability insights are surfaced in dashboards, reporting, audits, and financial views.
• Influence decisions with financial and operational context
• Clearly articulate the business impact of liability accuracy, including reserve adequacy, indemnity outcomes, subrogation potential, and compliance risk.
• Serve as the internal subject-matter expert on liability assessment
• Guide best practices for evaluating fault, documenting rationale, and maintaining defensible claim files.

Benefits

• Competitive Compensation: Enjoy a competitive salary and equity package!
• Comprehensive Health Care: Access to multiple medical plans with an HSA option and minimal out-of-pocket expenses. Certain plans covered 100%.
• Dental Insurance: We protect those pearly whites
• Vision Insurance: Everyone can see clearly now at Assured
• Life Insurance: It's on the house! Provided at no cost to you
• Paid Time Off: Uncapped vacation days and paid holidays. Take that vacation!
• Family Leave: Maternity and paternity leave options
• Financial Wellness: 401(k) contribution with Assured contributing 3% of your income, even if you don't contribute
• Flexible Spending Accounts: Health and dependent care FSAs for pre-tax flexible spending

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed