Senior Claims Specialist – Cargo & Logistics

Specialty Program Group•Pembroke Pines, FL

About The Position

SPG Cargo & Logistics is seeking an experienced Senior Claims Specialist to join its Claims & Recoveries team. The role investigates, evaluates, and manages a diverse portfolio of cargo and transportation-related insurance claims, including marine cargo, stock throughput, and liability claims involving transportation and supply chain intermediaries. Claims may arise from the movement, handling, and storage of goods, as well as the professional and contractual responsibilities of freight brokers, freight forwarders, logistics providers, and other intermediaries. The Senior Claims Specialist manages claims from initial notification through resolution, interpreting insurance policies, evaluating liability, coordinating investigations, assessing damages, maintaining reserves, and identifying settlement and recovery opportunities. The role handles assignments across multiple coverage lines and programs, with responsibilities evolving based on departmental needs. Independent judgment is expected in day-to-day claim management, subject to applicable authority limits, approval requirements, and oversight by the Head of Claims & Recoveries. Coverage determinations, settlement commitments, payments, and other actions requiring delegated or insurer authority remain subject to those controls; this position does not independently confer or transfer claims authority. The position is part of Specialty Program Group (SPG), HUB International’s wholesale and MGA division. ANOVA Marine, part of the business, provides cargo and logistics insurance, liability insurance, and bonds for freight and international trade businesses. The stated salary range is $95,000–$105,000, depending on factors including skills, experience, working location, business line, scope, and level.

Requirements

At least five years of insurance claims-handling experience; marine cargo, stock throughput, inland marine, commercial property, or transportation-related claims experience is preferred.
Demonstrated ability to independently investigate, evaluate, and resolve complex insurance claims.
Strong understanding of insurance policy interpretation, coverage analysis, and claims management.
Experience reviewing loss documentation, coordinating investigations, and evaluating damages.
Excellent written and verbal communication skills, including the ability to prepare clear coverage analyses and claim recommendations.
Strong organizational skills and the ability to manage a diverse caseload with competing priorities.
Ability to exercise independent judgment while recognizing matters requiring supervisory or insurer approval.
Proficiency with claims management systems and Microsoft Office applications.

Nice To Haves

Experience handling marine cargo and stock throughput claims.
Familiarity with transportation and logistics liability exposures, particularly those involving freight brokers and other supply chain intermediaries.
Knowledge of cargo transportation contracts, bills of lading, and applicable transportation liability laws.
Experience with general average, salvage, subrogation, or complex cargo investigations.
Active adjuster licenses in applicable jurisdictions or willingness to obtain required licenses.

Responsibilities

Independently investigate, evaluate, and manage assigned cargo and transportation-related claims from first notice of loss through final resolution.
Handle claims involving marine cargo, inland marine, stock throughput, cargo legal liability, contingent cargo, warehouse legal liability, and other transportation and logistics insurance products.
Investigate physical loss or damage, theft, non-delivery, misdelivery, temperature deviation, contamination, improper handling, and other cargo-related exposures.
Evaluate liability claims involving freight brokers, freight forwarders, warehouse operators, motor carriers, and other supply chain participants.
Review bills of lading, contracts, commercial invoices, delivery receipts, carrier agreements, and other relevant documentation.
Coordinate investigations with insureds, brokers, surveyors, investigators, legal counsel, and other service providers.
Evaluate damages, establish and maintain appropriate reserves, and identify settlement, salvage, and subrogation opportunities.
Manage general average and other specialized marine cargo matters as assigned.
Analyze policies, endorsements, exclusions, conditions, and coverage limitations to assess potential coverage.
Evaluate the legal and contractual responsibilities of insureds and other parties involved in cargo transportation and logistics operations.
Review broker-carrier agreements, transportation contracts, warehouse agreements, and other relevant contractual documents.
Apply relevant transportation liability principles, including the Carmack Amendment where applicable.
Identify coverage issues and prepare written coverage analyses, reservation of rights recommendations, and declination recommendations.
Assess liability, causation, damages, and available defenses; recognize complex coverage issues, significant exposures, and potential litigation requiring escalation.
Develop and execute investigation and resolution strategies, negotiate settlements, and resolve claims in accordance with applicable policies, procedures, and authority requirements.
Maintain accurate reserves, claim notes, financial records, and supporting documentation in the claims management system.
Ensure timely claim handling, appropriate diary management, and compliance with internal and insurer reporting requirements.
Prepare claim summaries, coverage recommendations, and status reports for internal leadership and insurance markets.
Serve as a primary point of contact for insureds, brokers, and other stakeholders, communicating claim developments, coverage issues, outstanding requirements, and resolution strategies clearly and professionally.
Collaborate with underwriting, legal, and internal departments on complex claims and emerging exposures; coordinate with outside counsel and technical experts as appropriate.
Contribute to the development and improvement of claims-handling procedures, reporting standards, and operational efficiencies.
Support other claims-related responsibilities and projects assigned by the Head of Claims & Recoveries.
Adapt to changing departmental priorities, claim volumes, and business needs, and contribute to the effectiveness and growth of the Claims & Recoveries team.

Benefits

Health, dental, vision, life, and disability insurance.
Flexible spending account (FSA) and health savings account (HSA) options.
401(k) accounts and retirement savings matching.
Paid time off, including vacation, sick, personal, floating holidays, and company holidays.
Paid parental leave.
Wellbeing program.
Company-paid life and disability plans.
Eligible annual bonuses, equity, and commissions may be available for some positions.
Structured training, licensing support, and ongoing development opportunities.
Community impact opportunities through HUB Gives.