Technical Field Claim Specialist - Property

MSIG Holdings•Cincinnati, OH

13d

About The Position

MSIG USA is seeking a Technical Field Claim Specialist to independently investigate, evaluate, analyze coverage for, negotiate, and resolve highly complex and high-severity commercial property claims across a national footprint. The role handles primary and excess claims involving significant real and business property damage, time-element loss, business interruption, equipment breakdown, inland marine, and catastrophe exposures. As a senior field representative, the specialist works directly with insureds, brokers, adjusters, experts, and support vendors to establish facts, manage the adjustment process, develop sound reserves, and achieve timely and equitable outcomes in accordance with policy terms, delegated authority, company guidelines, regulatory requirements, and fair claims practices laws. The specialist manages claims from assignment through resolution, conducts on-site inspections when applicable, and develops and updates written claim strategies. The work includes interpreting complex commercial property policies, assessing damage and financial exposure, analyzing primary and excess coverage, maintaining reserves, negotiating claims, pursuing recoveries, and escalating material issues. The role also selects, directs, and evaluates adjusters, experts, and vendors; coordinates catastrophe and large-loss response; and serves as a technical point of contact for insureds and brokers. The position maintains accurate claim documentation and reporting, complies with authority, regulatory, licensing, and company requirements, and may provide technical consultation, training, catastrophe readiness support, vendor governance, process improvement, and assistance with special assignments. The position requires travel to loss locations throughout the United States when applicable, including on short notice when business needs or catastrophe response requires.

Requirements

High school diploma or G.E.D. required.
At least 8 years of progressively responsible commercial property claim experience, including demonstrated handling of highly complex, high-severity, or large-loss claims.
Demonstrated field experience conducting on-site inspections and managing losses involving insureds, independent adjusters, public adjusters, contractors, experts, and other claim professionals.
Demonstrated experience with primary and excess property claims, complex coverage analysis, reserving, negotiation, and vendor or expert management.
Advanced knowledge of commercial property claim investigation, building and equipment damage evaluation, estimating concepts, repair and replacement methods, mitigation, valuation, and time-element analysis.
Ability to interpret complex commercial property policies, endorsements, schedules, engineering reports, estimates, inventories, financial records, forensic accounting analyses, and other technical documentation.
Strong field judgment and situational awareness, including identifying safety concerns, preserving evidence, assessing site conditions, and coordinating multiple parties at active loss locations.
Ability to challenge assumptions, reconcile competing scopes and estimates, evaluate proof-of-loss submissions, and reach well-supported claim decisions.
Strong negotiation, conflict-management, and relationship skills, including working effectively with sophisticated insureds and public adjusters while protecting MSIG USA’s contractual and financial interests.
Strong written and verbal communication skills, including executive-level claim reporting and explaining complex coverage, damage, and financial issues clearly.
Ability to prioritize and manage multiple high-severity claims, field assignments, vendors, deadlines, and stakeholders with limited supervision.
Proficiency with Microsoft 365 applications, claim management systems, and property estimating or related technical tools used in commercial property adjustment.

Nice To Haves

Bachelor’s degree in insurance, business, risk management, engineering, construction, or a related field preferred.
Experience handling significant business interruption, time-element, equipment breakdown, inland marine, or catastrophe losses strongly preferred.

Responsibilities

Independently manage highly complex and high-severity commercial property claims from assignment through resolution, including primary and excess matters, catastrophe losses, and claims with significant financial, coverage, operational, or reputational risk.
Travel to loss locations throughout the United States when applicable, including on short notice as business needs or catastrophe response requires, and conduct on-site inspections to assess damage, causation, scope, mitigation, salvage, repairability, and business continuity concerns.
Establish and execute written claim strategies addressing coverage, causation, valuation, damage scope, time-element exposure, experts, vendors, reserves, recovery opportunities, negotiation, and resolution; update strategies as material facts develop.
Analyze commercial property policies, forms, endorsements, schedules, deductibles, sublimits, valuation provisions, coinsurance, exclusions, and conditions; prepare or support timely, well-reasoned reservation of rights, partial disclaimer, and coverage position communications.
Handle assigned claims involving buildings, machinery and equipment, stock, contents, improvements and betterments, extra expense, business income, contingent business interruption, equipment breakdown, inland marine, builder’s risk, cargo, fidelity, and crime exposures.
Evaluate primary and excess attachment, underlying limits, exhaustion, allocation, other insurance, subrogation, and contribution issues; coordinate with underlying or excess insurers and escalate potential tower-impacting developments.
Establish and maintain timely, supportable indemnity and expense reserves; communicate material reserve changes and recommend authority with supporting analysis.
Negotiate complex property and time-element claims with insureds, independent adjusters, public adjusters, brokers, and other authorized representatives.
Identify, preserve, and pursue subrogation, salvage, contribution, and other recovery opportunities; coordinate evidence preservation, destructive testing, and expert activity when appropriate.
Recognize matters requiring leadership, coverage counsel, special investigation, reinsurance, or other escalation, and promptly communicate significant developments.
Select, assign, direct, and evaluate independent adjusters and approved vendors, including engineers, forensic accountants, building consultants, equipment specialists, cause-and-origin experts, environmental consultants, restoration firms, salvage vendors, and counsel.
Define vendor assignment scope, deliverables, reporting cadence, budget, and decision authority; monitor quality, timeliness, cost, and compliance, and redirect assignments when needed.
Lead field meetings, inspections, scope discussions, and claim reviews involving insured representatives, adjusters, contractors, consultants, and other stakeholders.
Coordinate catastrophe and large-loss field response, including vendor deployment, site access, loss mitigation, initial exposure assessment, reporting, and handoff or continued ownership as directed.
Serve as a primary technical contact for insureds and brokers, communicating proactively and professionally about claim status, coverage process, information needs, exposure, strategy, and next steps.
Partner with underwriting, account management, Claims leadership, Home Office, and other internal stakeholders on coverage intent, account considerations, claim trends, and material developments while preserving claim-handling independence.
Participate in claim reviews, stewardship meetings, and account discussions, presenting complex claim issues in concise, business-focused terms for senior stakeholders.
Maintain complete, timely, and accurate claim system documentation, including inspection findings, coverage analysis, reserve rationale, action plans, vendor direction, negotiation history, and material developments.
Comply with delegated settlement and reserve authority, company claim-handling guidelines, fair claims practices requirements, licensing and continuing education obligations, information-security standards, and applicable state and federal requirements.
Complete management, Home Office, reinsurance, audit, and quality-assurance reporting accurately and on time.
Act as a senior technical resource to property claim colleagues and support file consultation, training, catastrophe readiness, vendor governance, process improvement, and special assignments as needed.