Senior Technical Claims Specialist, Commercial General Liability and Auto Complex

Liberty Mutual • Colorado Springs, CO

39d • Remote

About The Position

We are seeking a seasoned Commercial General Liability claims professional to serve as a Senior Technical Claims specialist and enterprise subject-matter expert on complex and highly complex casualty matters. This is a high-visibility, high-autonomy role for a candidate who thrives on deep coverage analysis, strategic litigation and defense management, and handling high-exposure, multi-party claims across jurisdictions. The ideal candidate combines advanced CGL experience with sharp coverage-interpretation skills, strong judgment, and a proven track record of resolving difficult liability and coverage issues. Why this role is compelling Lead ownership of complex/high-exposure CGL and Commercial Auto Bodily Injury claims and the chance to shape litigation and coverage strategy. Regular collaboration with coverage counsel, defense counsel, underwriting, reinsurance and senior management - be the go-to SME. Opportunity to influence policy, processes and training across the claims organization. Authority to structure complex settlements and manage reserving for high severity matters.

Requirements

• 5-7+ years of progressively responsible experience handling Commercial General Liability and/or complex Commercial Auto casualty claims, including substantial experience with high-severity and multi-party litigation.
• Demonstrated expertise in coverage analysis and interpretation of CGL policies and common endorsements; experience drafting coverage opinions and reservation of rights letters.
• Strong litigation management experience: selecting and supervising defense counsel, discovery and trial exposure management, mediation/arbitration, and settlement negotiations.
• Proven ability to analyze, allocate and defend exposure across multiple policies and jurisdictions.
• Excellent written and verbal communication skills; capable of articulating complex coverage positions to legal counsel, underwriting, senior management and external parties.
• Strong decision-making and judgment under pressure with a track record of handling confidential, high-stakes matters.
• Proficient with claims management systems and standard MS Office tools (Excel, Word).
• Required to obtain/maintain all-lines Adjusters license.

Responsibilities

• Own and manage the full life cycle of complex CGL claims: determine coverage, investigate facts, evaluate liability, set and adjust reserves, negotiate and execute settlements, authorize payments and, where appropriate, deny coverage.
• Perform advanced coverage analysis on issues such as duty to defend vs. indemnify, occurrence vs. claims-made triggers, allocation, multiple policies/insurers, additional insureds, contractual liability, erosion of limits, pollution and professional services exclusions, intentional acts, and other complex endorsements.
• Draft and manage coverage opinions, reservation of rights letters, declination letters and coverage litigation strategy; coordinate coverage counsel where appropriate.
• Lead defense strategy for high-exposure suits: review pleadings and discovery, develop litigation plans, retain and manage outside defense counsel, oversee billing practices, and evaluate settlement vs. trial risk.
• Coordinate with reinsurance, underwriting and subrogation teams on coverage, recovery and allocation issues; manage reporting and ceded claims processes.
• Set and maintain appropriate reserves for complex and catastrophic exposures; explain reserve rationale to senior management and auditors.
• Mentor, train and advise claims staff and less experienced examiners on coverage interpretation and complex claim strategies; act as an internal resource and SME.
• Monitor case law, regulatory and legislative developments affecting CGL and casualty coverage; translate trends into actionable practice updates and training.
• Participate in cross-functional special projects (policy language review, claim handling playbooks, major loss response) and continuous improvement initiatives.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Insurance Carriers and Related Activities
• Education Level: No Education Listed
• Number of Employees: 5,001-10,000 employees