Temporary General Liability Claims Representative

Frank Winston Crum Insurance • Clearwater, FL

2d • $63,000 - $83,000 • Onsite

About The Position

This job contributes to the mission of FrankCrum by adjusting an inventory of low to moderately complex general liability claims and assisting in establishing the best and most cost-effective strategy for handling this type of claim. The role involves investigating, evaluating, and resolving general liability claims, some of which are litigated and may involve significant property damage, bodily injury, inland marine, and construction defect claims, all while adhering to established claim handling standards and state regulations. A key aspect of the role is understanding and analyzing general liability coverage, interpreting commercial policy language, and communicating coverage decisions effectively. The representative will also compose written communications, evaluate damages for accurate reserving, negotiate settlements, manage litigated files, retain experts, and manage workloads to meet production goals and provide excellent customer service. Documentation in a paperless system and communication with other departments regarding claim trends are also essential functions.

Requirements

• Five (5) or more years of experience in adjusting commercial liability claims, with a proven record of increasing responsibility, appropriate claim outcomes and excellent customer service is required.
• College degree preferred, high school diploma or equivalent are needed.
• Must hold Proper Public adjuster licenses in Florida and/or Texas and other states with the ability to obtain additional licenses as needed.

Nice To Haves

• Understanding of commercial lines products, policy language, exclusions, ISO forms, and effective claim handling practice.
• Moderate level of knowledge and skill in claim handling and litigation management.

Responsibilities

• Investigates, evaluates and brings to timely resolution an inventory of low to moderately complex general liability claims of which some are litigated and may involve large property damage, bodily injury, inland marine and a sub- set of construction defect type claims in accordance with established claim handling standards and applicable state regulations and laws.
• Understands general liability coverage issues and can analyze and interpret commercial policy language in conjunction with specific facts of loss to reach appropriate coverage decisions and effectively communicate the company’s coverage position verbally and in writing including reservation of rights and denial of coverage letters.
• Composes a variety of other written communications to insureds, claimants, attorneys and agents in a professional and error-free manner.
• Understands and interprets construction contracts and apply risk transfer when appropriate.
• Evaluates and documents damages to ensure accurate and timely reserves; immediately escalate to management cases with potential exposure above your authority.
• Negotiates effectively and in good faith to achieve fair and accurate claim settlements.
• Manages litigated claim files proactively from inception to closure, including collaboration with defense counsel to determine and execute an appropriate plan of action; bring litigated cases to resolution either by negotiated settlement or trial, as appropriate.
• Negotiates the duty to defend and indemnify with liable insurers when appropriate.
• Retains experts and vendors to achieve appropriate claim outcomes while remaining mindful of loss adjustment expenses.
• Manages assigned workloads effectively to achieve quality and quantity production goals while providing superior customer service.
• Implements strategies to expeditiously close files and manages claims to a conclusion in the most effective manner possible.
• Documents all notes and file activity in a paperless claim system appropriately and clearly; compose detailed periodic reports including claim summary reports and large loss notifications, as needed.
• Communicates with other departments regarding developments on specific claim files as well as overall claim trends.
• Demonstrates an understanding of reserving requirements and philosophies and can maintain appropriate reserves on all assigned claim files.

Benefits

• Subsidized cafe with made-to-order breakfast, hot lunch options and dinners to-go at affordable prices.
• Quarterly events for exceptional customer service and milestones in tenure.
• Support for community efforts through Trinity Cafe, the Homeless Empowerment Program, and Clearwater Free Clinic.

What This Job Offers

• Career Level: Mid Level
• Education Level: High school or GED