Technical Consultant Casualty Claims

Hanover Insurance Group•Southfield, MI

2d•Hybrid

About The Position

The Technical Consultant, Casualty Claims, manages high-complexity no-fault claims involving moderate to high injury and disability severity. The role conducts coverage analysis; evaluates medical bills and other no-fault benefits for payment consideration; coordinates with claimants, third parties, and medical providers; negotiates settlements; and oversees litigation strategy. The consultant collaborates with legal counsel, SIU teams, and medical experts to resolve claims efficiently, comply with no-fault statutes, and mentor early-career staff. Working with a high degree of autonomy and professionalism, the consultant uses advanced investigative and negotiation skills to resolve disputes and escalated situations. The role analyzes complex data, provides expert opinions, and may represent the company in litigation forums while adhering to regulatory and company standards. The position is full-time and exempt, with a hybrid schedule requiring two days in the office at a Hanover office in Howell, Farmington Hills, or Southfield, Michigan. The consultant must possess or obtain and maintain appropriate state adjuster licenses and continuing education credits.

Requirements

Typically 5+ years of industry experience.
Bachelor’s degree or equivalent experience.
Expert-level insurance knowledge and deep understanding of legal and regulatory frameworks.
Recognized authority in negotiating highly complex claims; ability to shape and implement best practices.
Skill in negotiating complex claims and developing strategies to influence outcomes.
Sound judgment and decision-making on high-exposure cases, including litigation and compliance matters.
Clear and effective verbal and written communication; professionalism and empathy when handling sensitive and complex issues.
Ability to maintain comprehensive, organized claim records and prepare detailed reports summarizing findings and recommendations.
Strong organization, time management, and desk management skills; ability to manage complex workflows, participate in project work, and mentor others.
Ability to make informed decisions independently, analyze risks, and understand financial impacts.
Strategic insight in evaluating results and shaping policy.
Expertise in developing investigative techniques and protocols, coverage analysis, and liability assessment.
Ability to develop empathetic customer-service strategies and deliver exceptional service.
Appropriate state adjuster licenses and continuing education credits, or ability to obtain and maintain them.
Capabilities in analytical reasoning, customer centricity, digital fluency, persuasion and influence, professional insurance acumen, planning, and execution.

Nice To Haves

Bachelor’s degree (preferred; equivalent experience is also accepted).
Industry designation relevant to the role (preferred).

Responsibilities

Independently investigate moderate-to-complex and sensitive claims, ensuring thorough analysis and resolution.
Collaborate with internal and external experts to evaluate claims and determine validity and value.
Identify opportunities to transfer risk and pursue subrogation.
Proactively resolve disputes, de-escalate sensitive situations, and pursue optimal outcomes through strategic negotiation and litigation management.
Assess and transfer risk where appropriate; manage suspicious claims and refer them to SIU as needed.
Serve as a subject matter expert and contribute to departmental projects and initiatives.
Draft coverage letters, including complex forms and endorsements; interpret commercial coverages and legal principles.
Set reserves and authorize payments within high authority limits; manage litigation budgets and counsel.
Lead quality and efficiency initiatives for complex claims workflows.
Use technology and data tools to identify trends, correct inconsistencies, and optimize outcomes.
Negotiate high-value and contested claims using advanced strategies.
Ensure compliance with jurisdictional requirements and mentor others on regulatory standards.
Maintain accurate records, prepare detailed reports, protect personally identifiable information (PII), and educate peers on best practices.
Lead cross-functional meetings and drive consensus on claim resolutions.
Communicate complex information clearly to diverse stakeholders and manage sensitive customer interactions.
Provide technical guidance and mentorship to less experienced adjusters.
Represent the company in litigation forums, including trials, mediations, and arbitrations.
Support training development and evaluate program effectiveness.
Influence product development by identifying coverage gaps and recommending updates.
Attend industry events and continuing education seminars to stay current with best practices, legal developments, and emerging trends.
Possess or obtain and maintain appropriate state adjuster licenses and continuing education credits.