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Sr. General Liability Claims Adjuster – Must have Contractors Risk Experience

Published
September 15, 2022
Location
Nationwide, Remote
Category
Job Type

Description

Job Description: Handle an average caseload of approximately 75 pending claims that encompass all levels of complexity, with a majority being high-level claims. Establish facts of loss, coverage analysis, investigation, litigation management, damage assessment, settlement negotiations, identifying potential fraud, and appropriate use of authorized vendors. Also includes timely and appropriate reserve analysis and report completion. Ability to attend conferences, and client meetings, mentor other adjusters and assist management as requested. All file handling must be within state statutes; Client Claims Handling Guidelines, and NARS Best Practices. Other miscellaneous duties as assigned, which may include travel. Must have Contractors Risk experience.
Essential Duties and Responsibilities:

Coverage:

  • Identify, analyze and confirm coverage.

Customer Service/Contact:

  • Make first contact with parties and clients within eight business hours.
  • Contact appropriate parties and providers to determine liability, compensability, negligence, and subrogation potential.
  • Contact appropriate parties to obtain any needed information and explain benefits as appropriate. Continue contact throughout the life of the file as appropriate.
  • Answer phones, check voice mail regularly, and return calls as needed.
  • Assist with training/mentoring of Claims Adjusters.
  • Assist management when required with projects or leadership as requested.
  • Handle the various duties/responsibilities of the Assistant Unit Manager/Unit Manager as delegated in their absence.
  • Must be willing and able to attend meetings by Skype or Facetime as requested.

Subrogation:

  • Refer all files identified with subrogation potential to the subrogation department.

Investigation:

  • Verify loss and pertinent claims facts. Assign vendors as needed, and evaluate coverage and damages as appropriate.
  • Evaluate claims, write coverage letters, and report to the clients per the claim handling guidelines.
  • Recognize and report potential fraud cases.

Litigation Management:

  • Develop and direct a litigation plan with a defense attorney (if assigned), utilizing all defenses and tools to bring the file to closure. Ensure all filings and state-mandated forms are completed timely. Litigated files must be diaried effectively based on current activity, but no greater than every 60 days.
  • Review claim files involving active litigation every month and document responses to filings, development of defenses, depositions, and timely referral to defense counsel.
  • Direct the actions of defense counsel on litigated files.
  • Attend mediations and trials as required for cost-effective litigation management.

Reserves:

  • Establish ultimate reserves (anticipated cost to bring the file to close based on known facts) as soon as practical and monitor to adjust at any exposure-changing event.
  • Pay all known benefits, ensuring they are paid timely on state statute.
  • Verify all provider bills have been appropriately reviewed and paid within standard timeframes.

Reporting Requirements:

  • Report all liability issues, and potential large loss claims to the client and/or reinsurer based upon the criteria provided by the client.
  • Must pass all internal and external audits, which include those performed by regulatory agencies, carriers, and clients.
  • Follow reporting requests as outlined by client files and NARS guidelines.

Resolution:

  • Document a plan of action in the claim system and set appropriate diaries.
  • Maintain a regular diary for monitoring and directing medical care, case development, or litigation.
  • Close all files as appropriate in a timely and complete manner.
  • Maintain closing ratio as dictated by the management team.
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