Senior Claims Specialist, Auto & Liability

MSIG Holdings•Chicago, IL

23h•$90,000 - $110,000

About The Position

The Senior Claims Specialist is responsible for investigating, evaluating, negotiating, and resolving complex commercial automobile and general liability claims, including bodily injury, property damage, litigated matters, and coverage issues. The role manages claims proactively from assignment through resolution, establishes sound reserves, develops resolution strategies, and communicates with insureds, brokers, and internal stakeholders in accordance with company guidelines, delegated authority, regulatory requirements, and applicable fair claims practices laws. The position manages claim strategy and documentation, reserves, litigation, settlement negotiations, coverage analysis, and recovery opportunities. It also provides clear stakeholder communication, maintains regulatory and operational compliance, and supports claim reviews, audits, quality assurance, governance, and process improvements. Same-day and overnight travel may be required for mediations, trials, claim reviews, or customer meetings.

Requirements

High school diploma or G.E.D. required.
At least 7 years of progressively responsible commercial casualty claim experience, including demonstrated handling of complex automobile and general liability claims.
Demonstrated experience managing litigated claims, evaluating liability and damages, establishing reserves, negotiating settlements, and working with defense counsel.
Strong knowledge of commercial automobile and general liability claim investigation, liability analysis, damages evaluation, litigation management, reserving, and negotiation.
Ability to interpret insurance policies, endorsements, contracts, pleadings, medical information, expert reports, and other legal or technical documents.
Sound judgment and disciplined decision-making, including the ability to identify claim severity and escalate material issues appropriately.
Strong written and verbal communication skills, including the ability to explain complex claim issues to business partners and senior stakeholders.
Strong organization, prioritization, and file-management skills, with the ability to manage multiple complex matters and deadlines.
Proficiency with Microsoft 365 applications and ability to learn and effectively use claim management and related systems.
Maintain all required adjuster licenses and continuing education requirements for assigned jurisdictions.

Nice To Haves

Bachelor's degree preferred.
Experience with bodily injury, property damage, coverage analysis, and contractual risk-transfer issues preferred.
AIC, SCLA, CPCU, or comparable insurance designation preferred but not required.

Responsibilities

Investigate, evaluate, negotiate, and resolve complex commercial automobile and general liability claims, including bodily injury, property damage, litigated matters, and coverage or legal issues.
Develop and update documented claim strategies addressing liability, damages, causation, coverage, litigation posture, and resolution opportunities.
Establish and maintain accurate reserves; recommend reserve and settlement values above delegated authority with supporting analysis.
Manage litigated claims with approved defense counsel, including litigation plans, budgets, discovery, experts, mediation, and trial preparation; monitor counsel performance, legal expenses, and compliance with litigation expectations.
Negotiate timely and fair claim resolutions within delegated authority and participate in mediations, settlement conferences, and trials when appropriate.
Evaluate policy language and coverage issues, identify matters requiring escalation or coverage support, and document timely, well-reasoned analysis.
Escalate material severity, reserve, coverage, or litigation concerns to management in a timely manner.
Pursue subrogation, contribution, contractual risk transfer, and other supported recovery opportunities.
Maintain proactive, professional communication with insureds, brokers, claimants, counsel, underwriting, management, and other stakeholders throughout the claim life cycle.
Participate in claim reviews, stewardship discussions, and account meetings as needed, communicating claim status, exposure, strategy, and next steps.
Maintain complete, timely, and accurate claim system documentation, including evaluations, reserve rationale, litigation strategy, coverage analysis, action plans, and material developments.
Comply with company claim handling guidelines, settlement and reserve authority, fair claims practices requirements, regulations, licensing, and continuing education requirements.
Complete required reports, notices, and management or Home Office updates accurately and on time; support audit, quality assurance, and governance requirements.
Use approved claim systems, data, vendors, and expense-management processes; participate in projects, process improvements, and other assignments as needed.