Senior Complex Claim Representative - General Liability

Department: Claims Administration & Adjusting

Employment Type: Permanent - Full Time

Location: Home United States

Reporting To: Daniel Hartmann

Compensation: $90,000 - $110,000 / year

Description

Davies North America is looking for someone who will be responsible for managing and resolving moderate to high-severity General Liability claims with a strong emphasis on coverage analysis, investigation, and strategic claim resolution. The position focuses on program-based business including non-trucking liability, habitational risks, and pet care operations (including dog walkers, pet sitters, groomers, and related services).

Many of these programs involve diverse liability exposures requiring a well-rounded understanding of bodily injury, property damage, and premises-based claims. This role requires an experienced claims professional who can independently manage a varied GL caseload while providing clear coverage analysis and driving efficient, defensible outcomes.

Key Responsibilities

Coverage Analysis

• Review and interpret Commercial General Liability (CGL), non-trucking liability, and related policies, including endorsements.
• Analyze coverage issues involving bodily injury, property damage, personal and advertising injury, and premises liability.
• Evaluate exposure across different program types, including off-dispatch vehicle use, habitational premises risks, and pet care-related activities.
• Draft and issue coverage position letters, including reservations of rights and denials, as appropriate.

Claims Investigation and Strategy

• Investigate and manage claims involving slip and fall incidents, premises liability, habitational exposures, transportation-related liability, and animal-related incidents (including dog bites and property damage).
• Coordinate with insureds, claimants, witnesses, experts, and counsel to evaluate liability, causation, and damages.
• Analyze and document exposures including medical specials, general damages, property damage, and liability risk.
• Develop and implement claim strategies to achieve timely and cost-effective resolution.

Negotiation and Settlement

• Evaluate exposure and recommend reserves based on liability and damages analysis.
• Negotiate settlements within authority, balancing legal exposure, financial considerations, and client objectives.
• Participate in mediations, settlement discussions, and litigation management as needed.
• Regulatory Compliance and Documentation
• Ensure all claims are handled in compliance with Department of Insurance requirements and internal claim handling standards.
• Maintain accurate and timely documentation of coverage analysis, claim activity, and strategic decisions within the claims management system.

Collaboration and Communication

• Serve as a key point of contact for clients, insureds, brokers, and defense counsel.
• Provide clear, concise reporting on claim status, coverage, exposure, and resolution strategies.
• Collaborate with internal teams and program managers to identify trends and support program performance.

Skills, knowledge & expertise

Required:

• 7-10+ years of experience handling General Liability claims.
• Active adjuster licenses and willingness to obtain and maintain additional licenses, as needed.
• Strong experience handling bodily injury and property damage claims, including premises liability.
• Demonstrated ability to manage a variety of claim types across multiple programs.
• Experience issuing or contributing to coverage positions, including reservations of rights.
• Strong analytical, negotiation, and communication skills.
• Ability to independently manage a full caseload of claims from inception through resolution.

Preferred:

• Experience handling non-trucking liability, commercial auto-related liability, or transportation exposures.
• Background in habitational claims, including apartment, rental property, or multi-family risks.
• Familiarity with pet care or animal-related liability exposures.
• Experience working within program business or TPA environments.
• Experience managing litigated claims and working with defense counsel.

Benefits

At Davies North America, we are dedicated to supporting the well-being and future of our qualifying employees. Our comprehensive benefits package includes:

• Medical, dental, and vision plans to support your health and that of your family
• A 401(k) plan with employer matching
• Time-off policies, including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for non-exempt employees
• Paid holidays
• Life insurance and short-term and long-term disability coverage

Benefit offerings, eligibility, and required employer contributions may vary based on role, classification, and applicable federal, state, and local laws, including those tied to an employee's primary work location.

Where required by law, the Company provides paid sick leave, paid family and parental leave, and other mandated benefits in accordance with applicable state and local requirements.