Senior Coverage Analyst - Remote

At Allstate, great things happen when our people work together to protect families and their belongings from life’s uncertainties. And for more than 90 years, our innovative drive has kept us a step ahead of our customers’ evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection. 

Job Description

The Senior Coverage Analyst is responsible for investigating, analyzing, and determining insurance coverage for complex first-party and third-party claims. This role requires a deep understanding of insurance policy language, legal principles, and claims litigation. The adjuster serves as a coverage expert, providing guidance on complex coverage issues, evaluating legal opinions, and collaborating with defense counsel, coverage counsel, claims professionals, and business partners to support sound claim and litigation strategies.

Successful candidates possess advanced analytical skills, strong legal reasoning, and the ability to interpret complex insurance contracts and legal opinions while balancing customer service, regulatory compliance, and business objectives.

This position draws upon responsibilities and coverage expertise found in internal claims and coverage-focused roles.

Key Responsibilities

• Evaluates, negotiates and settles the most complex represented and/or litigation claims in accordance with business unit best practices.
• Collaborates with defense counsel to establish negotiation and litigation strategies.
• Establishes and adjusts reserves, documents rationale and claim summary notes.
• Reviews medical bills and records in preparation for claims settlement evaluation
• Leads training sessions for the team.
• Manages, researches, and resolves complex communications, concerns, conflicts or issues.
• Documents a claim file with notes, evaluations and decision-making process.

Preferred Qualifications

• 4 year Bachelor’s Degree.
• In lieu of the above education requirements, an equivalent combination of education and experience may be considered. 

• 3 or more years of experience.

Notice of Licensing Requirement

• As a condition of employment, your office/area may require you to obtain an adjuster and/or an appraiser license which includes passing an additional background check with the Department of Labor. If applicable, you will be required to secure license(s) within 60 days of hire. 

• If required, the Hiring Manager will work with you along with the Centralized Licensing team to ensure that you are properly licensed. 

Sign On Bonus

• You may be eligible for a $1000 Licensing Sign on Bonus if you have the applicable active licenses needed for this role.  This could include Home Resident Property & Casualty License, Designated Home State (DHS) Florida or Texas License, and/or applicable Appraiser License. 

**Current employees or candidates who have previously worked for Allstate, including its family of companies, are not eligible for this sign-on bonus. 

 This position is not available for California, Alaska, Hawaii, Washington, or Puerto Rico residents.

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Skills

Compensation

The candidate(s) offered this position will be required to submit to a background investigation.

Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact.

Allstate generally does not sponsor individuals for employment-based visas for this position.

Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.

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It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

Allstate provides a comprehensive technology setup, including a laptop, monitors, headset, keyboard, and mouse. Employees eligible to work from home also receive a monthly connectivity reimbursement to help offset internet costs.

When working from home, you must have a dedicated, private workspace free from distractions, along with appropriate desk and seating. Reliable internet is required, with minimum speeds of 50 MB download and 5 MB upload.

To help create a more personal and engaging experience, we ask that you join with your camera on if your interview is virtual. Please also have a Valid Photo Identification available at the start of your interview.  If you require any accommodations or have questions ahead of your interview please reach out to your recruiter.

Note: Internal candidates are only asked to join on video; a Valid Photo Identification is not needed for the interview.