Senior Claims Examiner
About The Position
The Senior Claim Examiner manages complex commercial insurance claims end to end, with particular emphasis on liability exposures involving educational institutions. The role applies advanced legal and analytical expertise in policy interpretation, litigation strategy, negotiation, and resolution, while ensuring claims are handled efficiently, equitably, and in accordance with regulatory and organizational standards. It involves direct, professional and sensitive engagement with school administrators, district representatives, and legal counsel. The examiner independently investigates high-exposure claims, confirms coverage, assesses liability and financial exposure, and manages a complex and litigated caseload with minimal supervision. The role also serves as a subject matter expert and primary contact for high-profile or sensitive claims, supports litigation activities, evaluates damages, maintains reserves, negotiates settlements, and recommends claim resolutions and risk-mitigation strategies.
Requirements
- Minimum 5 years of experience in commercial liability claims, including litigation management.
- Deep understanding of tort law, insurance coverage, and state-specific regulations.
- Exceptional written and verbal communication skills.
- Strong analytical, negotiation, and decision-making abilities.
- Proficiency in Microsoft Office Suite and claim administration software.
- Ability to work independently and manage a high-complexity desk.
- Occasional travel for field inspections, mediations, or client meetings.
Nice To Haves
- Experience working with public school entities or educational institutions is highly desirable.
- Advanced certifications such as AIC or CPCU are a plus.
Responsibilities
- Independently confirm coverage and conduct in-depth investigations of high-exposure liability claims.
- Analyze multi-party liability scenarios and assess legal and financial exposure.
- Collaborate with internal and external legal counsel, technical experts, and consultants.
- Manage a caseload of complex and litigated claims with minimal supervision.
- Use claim systems and analytics to monitor trends and identify emerging risks.
- Maintain timely and accurate documentation and comply with internal and external standards.
- Serve as the primary contact for high-profile or sensitive liability claims involving educational institutions.
- Communicate with insureds, attorneys, agents, and internal leadership.
- Participate in mediations, depositions, and settlement conferences as needed.
- Interpret policy language, exclusions, and endorsements to determine coverage applicability.
- Oversee damage assessments and liability evaluations using internal tools and external resources.
- Provide strategic recommendations for claim resolution and risk mitigation.
- Establish and maintain accurate reserves for complex liability claims.
- Lead settlement negotiations, balancing legal exposure, fairness, and cost-effectiveness.
- Document claim activities in accordance with regulatory and audit standards.
- Travel occasionally for field inspections, mediations, or client meetings.
Benefits
- Multiple medical plans
- Dental coverage
- Vision coverage
- Prescription drug coverage
- 401(k) with generous matching
- PTO beginning at 20 days per year
- Up to 12 paid company holidays per year
- Two paid days of Volunteer Time Offer
- Basic life and AD&D insurance
- Short- and long-term disability
- Paid parental leave of up to 10 weeks
- Student loan assistance
- Tuition reimbursement
- Backup child and elder care
- Incentive eligibility
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
