Senior Complex Claim Representative - General Liability

Davies•Home, AL

About The Position

Davies North America is looking for a Senior Complex Claim Representative responsible for managing and resolving moderate to high-severity General Liability claims. This role emphasizes coverage analysis, investigation, and strategic claim resolution, particularly for program-based business including non-trucking liability, habitational risks, and pet care operations. The position requires an experienced claims professional who can independently manage a varied GL caseload, provide clear coverage analysis, and drive efficient, defensible outcomes.

Requirements

7–10+ years of experience handling General Liability claims.
Active adjuster licenses and willingness to obtain and maintain additional licenses, as needed.
Strong experience handling bodily injury and property damage claims, including premises liability.
Demonstrated ability to manage a variety of claim types across multiple programs.
Experience issuing or contributing to coverage positions, including reservations of rights.
Strong analytical, negotiation, and communication skills.
Ability to independently manage a full caseload of claims from inception through resolution.

Nice To Haves

Experience handling non-trucking liability, commercial auto-related liability, or transportation exposures.
Background in habitational claims, including apartment, rental property, or multi-family risks.
Familiarity with pet care or animal-related liability exposures.
Experience working within program business or TPA environments.
Experience managing litigated claims and working with defense counsel.

Responsibilities

Review and interpret Commercial General Liability (CGL), non-trucking liability, and related policies, including endorsements.
Analyze coverage issues involving bodily injury, property damage, personal and advertising injury, and premises liability.
Evaluate exposure across different program types, including off-dispatch vehicle use, habitational premises risks, and pet care-related activities.
Draft and issue coverage position letters, including reservations of rights and denials, as appropriate.
Investigate and manage claims involving slip and fall incidents, premises liability, habitational exposures, transportation-related liability, and animal-related incidents (including dog bites and property damage).
Coordinate with insureds, claimants, witnesses, experts, and counsel to evaluate liability, causation, and damages.
Analyze and document exposures including medical specials, general damages, property damage, and liability risk.
Develop and implement claim strategies to achieve timely and cost-effective resolution.
Evaluate exposure and recommend reserves based on liability and damages analysis.
Negotiate settlements within authority, balancing legal exposure, financial considerations, and client objectives.
Participate in mediations, settlement discussions, and litigation management as needed.
Ensure all claims are handled in compliance with Department of Insurance requirements and internal claim handling standards.
Maintain accurate and timely documentation of coverage analysis, claim activity, and strategic decisions within the claims management system.
Serve as a key point of contact for clients, insureds, brokers, and defense counsel.
Provide clear, concise reporting on claim status, coverage, exposure, and resolution strategies.
Collaborate with internal teams and program managers to identify trends and support program performance.