Technical Consultant Casualty Claims

The Hanover Insurance Group•Southfield, MI

3d•$75,000 - $92,000•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 includes conducting coverage analysis, evaluating medical bills and other no-fault benefits, coordinating with claimants, third parties, and medical providers, negotiating settlements, and overseeing litigation strategy. The consultant works with legal counsel, special investigation units (SIU), and medical experts to resolve claims, comply with no-fault statutes, and mentor early-career staff. The role requires advanced investigative and negotiation skills to resolve disputes and escalated situations. The consultant analyzes complex data, provides expert opinions, may represent the company in litigation forums, and operates autonomously while following regulatory and company standards. It is a full-time, exempt position with a hybrid schedule requiring two days in the office, based at a Hanover office in Howell or Farmington Hills, Michigan, or Southfield, Michigan.

Requirements

Typically five or more years of industry experience.
Bachelor’s degree or equivalent experience; a bachelor’s degree is preferred.
Recognized authority in negotiating highly complex claims and shaping and implementing 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, including professional handling of sensitive and complex issues, appropriate channel selection, and empathy.
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.
Expert-level insurance knowledge and deep understanding of legal and regulatory frameworks.
Ability to make independent, informed decisions, analyze risks, and understand financial impacts.
Sound judgment and strategic insight in evaluating results and shaping policy.
Ability to develop investigative techniques and protocols, with expertise in coverage analysis and liability assessment.
Ability to develop empathetic customer-service strategies and provide exceptional service.
Appropriate state adjuster licenses and continuing education credits must be obtained and maintained.

Nice To Haves

Industry designation relevant to the role.

Responsibilities

Independently investigate moderate-to-complex and sensitive claims and ensure thorough analysis and resolution.
Collaborate with internal and external experts to evaluate claims and determine their validity and value.
Identify opportunities to transfer risk and pursue subrogation; resolve disputes, de-escalate sensitive situations, and pursue optimal outcomes through 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, and interpret commercial coverages and legal principles.
Set reserves, authorize payments within high authority limits, and 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, and educate peers on best practices.
Lead cross-functional meetings and build 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.
Obtain and maintain appropriate state adjuster licenses and continuing education credits.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
401(k) with company match
Tuition reimbursement
Paid time off
Company-paid holidays
Flexible work arrangements
Cultural Awareness Day in support of IDE
On-site medical and wellness center (Worcester only)
Career development through on-the-job experiences, personalized coaching, and learning and development programs
Potential annual bonus, long-term incentive, or spot recognition awards