Senior Complex Claim Representative - General Liability

Davies • Home, WV

1d • $90,000 - $110,000 • Remote

About The Position

Davies North America is looking for someone who will be responsible for managing and resolving moderate to high-severity General Liability claims with a strong emphasis on coverage analysis, investigation, and strategic claim resolution. The position focuses on program-based business including non-trucking liability, habitational risks, and pet care operations (including dog walkers, pet sitters, groomers, and related services). Many of these programs involve diverse liability exposures requiring a well-rounded understanding of bodily injury, property damage, and premises-based claims. This role requires an experienced claims professional who can independently manage a varied GL caseload while providing clear coverage analysis and driving 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.

Benefits

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time‑off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non‑exempt employees
• Paid holidays
• Life insurance and short‑term and long‑term disability coverage
• Paid sick leave, paid family and parental leave, and other mandated benefits in accordance with applicable state and local requirements.

What This Job Offers

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