Senior Claims Specialist - Commercial Liability

Are you looking to make an impactful difference in your work, yourself, and your community? Why settle for just a job when you can land a career? At ICW Group, we are hiring team members who are ready to use their skills, curiosity, and drive to be part of our  journey as we strive to transform the insurance  carrier space. We're proud to be in business for over 50 years, and its change agents like yourself that will help us continue to deliver our mission to create the best insurance experience possible.

Headquartered in San Diego with regional offices located throughout the United States, ICW Group has been named for ten consecutive years as a Top 50 performing P&C organization offering the stability of a large, profitable and growing company combined with a focus on all things people. It's our team members who make us an employer of choice and the vibrant company we are today. We strive to make both our  internal and external communities better everyday! Learn more about why you want to be here!

PURPOSE OF THE JOB

The Senior Claims Specialist is responsible for managing the most complex, catastrophic commercial liability claims with a focus on providing the highest level of service for policyholders and ICW Group to independently bring claims to an equitable conclusion within Company standards and best practice guidelines.   The Senior Claims Specialist works with a sense of urgency, understands insurance coverage concepts, and navigates the legal system with the support of counsel to drive strategic outcomes.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Manages and reserves all aspects of the most complex claims inventory to an equitable conclusion. 

• Effectively communicates with policyholders, agents, attorneys, and witnesses to gather information and provide the highest possible level of customer service.

• Promptly investigates claims to determine exposure, works with appropriate experts and makes strategic recommendations.

• Utilizes appropriate resolution tactics (e.g., mediation, negotiation, denial, litigation or offer) to proactively drive outstanding results.

• Operates within the requirements of related state and/or the governing entity rules and regulations as well as internal claims handling policies and procedures. 

• Directs defense counsel throughout the litigation process in line with ICW litigation guidelines while monitoring legal fees and costs.

• Analyzes new and transferred losses and designs a plan of action in the management of the claim. 

Additional Responsibilities:

• Consistently provides exceptional customer service.

• Effectively collaborates with team members from various departments for project and process discussions.

• Acts as a Subject Matter Expert for the department and provides expertise to internal and/or external stakeholders.

• Makes recommendations for streamlining processes and adopting the industry’s best practices.

• Ensures accuracy of data in claims system for compliance with applicable regulatory reporting.

• Provides training and knowledge transfer across the organization.

• Continuously seeks to improve technical skills by attending job related training and tracking current case law. 

• Acts as a mentor and provides training for less experienced team members.

• Manages the litigation process, strategizes with defense attorney, facilitates negotiation of claim settlements ensuring suitable and economical claims resolution including attending depositions and hearings.

Additional Responsibilities in Commercial Liability/Property: 

• Handles highly complex claims in multiple jurisdictions and/or nationwide. 

• Escalates claim summaries and makes strategic recommendations for approval.

• Frontloads investigations and moves with urgency by gathering information quickly to assess risk accurately.

• Builds rapport with opposing counsel and claimants.

• Attends depositions, hearings, and settlement conferences.

• Prioritizes early resolution options for every claim and attends resolution proceedings.

• Drafts coverage letters and correspondence with minimal to no guidance for management review.

• Researches and analyzes policy language, drafts correspondence with minimal to no guidance for management review.

• Provides advice to underwriters as necessary based on inspections, including any preexisting damages noted.

• Works to understand and learn the nuances of reinsurance.

• Maintains current knowledge of the Department of Insurance rules and requirements. 

SUPERVISORY RESPONSIBILITIES 

This role does not have supervisory responsibilities but may provide claim examiners with training and guidance on the handling of cases; address complaints and resolve problems; coach team members to further their skills and knowledge; promote/encourage adherence to department policies and procedures. Prior supervisory experience is welcome, and as we grow there may be leadership opportunities.

EDUCATION AND EXPERIENCE 

• Bachelor's degree highly preferred (or equivalent education and experience).

• 10+ years of related claims experience. 

• 10+ years’ complex liability claims experience required.

CERTIFICATES, LICENSES, REGISTRATIONS 

Commercial Liability & Commercial Property:  Various state adjuster licenses are required. Licenses and certifications may be acquired within a specified timeframe after hire.

KNOWLEDGE AND SKILLS

Expert working knowledge in processing highly complex claims. Ability to apply technical knowledge and human relations skills to ensure fair and prompt management of cases. Thorough understanding of laws and jurisdictional restraints to manage injuries. Excellent verbal and written communication skills, time management, attention to detail and organizational skills required. Ability to read, analyze, and interpret technical journals, financial reports, and legal documents. Ability to write reports, business correspondence, and procedure manuals.  Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.  Ability to speak effectively before groups of customers or employees, and effectively present information to management. Ability to define problems, collect data, establish facts, and draw valid conclusions. Advanced working knowledge of Microsoft Office Suite: Outlook, Word, Excel and PowerPoint. Must be adept at learning new technology and embrace change. Facilitates and leads meetings across a team of claims professionals for assigned projects.    

PHYSICAL REQUIREMENTS  

Office environment – no specific or unusual physical or environmental demands and employees are regularly required to sit, walk, stand, talk, and hear.  

WORK ENVIRONMENT  

This position operates in an office environment and requires the frequent use of a computer, telephone, copier, and other standard office equipment.

We are currently not offering employment sponsorship for this opportunity

#LI-ET1 #LI-Hybrid

The current range for this position is

This range is exclusive of fringe benefits and potential bonuses.  If hired at ICW Group, your final base salary compensation will be determined by factors unique to each candidate, including experience, education and the location of the role and considers employees performing substantially similar work.

WHY JOIN ICW GROUP? 

• Challenging work and the ability to make a difference 

• You will have a voice and feel a sense of belonging 

• We offer a competitive benefits package, with generous medical, dental, and vision plans as well as 401K retirement plans and company match 

• Bonus potential for all positions 

• Paid Time Off

• Paid holidays throughout the calendar year 

• Want to continue learning? We’ll support you 100% 

ICW Group is committed to creating a diverse environment and is proud to be an Equal Opportunity Employer. ICW Group will not discriminate against an applicant or employee on the basis of race, color, religion, national origin, ancestry, sex/gender, age, physical or mental disability, military or veteran status, genetic information, sexual orientation, gender identity, gender expression, marital status, or any other characteristic protected by applicable federal, state or local law.

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