Responsible for the independent investigation, field evaluation, coverage analysis, strategy, negotiation and resolution of highly complex and high-severity commercial property claims across a national footprint. The role handles primary and excess property claims involving significant real and business property damage, time-element loss, business interruption, equipment breakdown, inland marine and catastrophe exposures. Serves as MSIG USA's senior field representative at loss locations, working directly with insureds, brokers, independent adjusters, public adjusters, experts and support vendors to establish facts, control the adjustment process, develop sound reserves and drive timely, equitable claim outcomes in accordance with policy terms, delegated authority, company claim handling guidelines, regulatory requirements and applicable fair claims practices laws.
ESSENTIAL FUNCTIONSClaims Handling, Field Investigation and Technical Management- Independently manages highly complex and high-severity commercial property claims from assignment through resolution, including primary and excess matters, catastrophe losses and claims presenting significant financial, coverage, operational or reputational risk.
- Deploys to loss locations throughout the United States when applicable, including on short notice when business needs or catastrophe response requires, and conducts on-site inspections to assess damage, causation, scope, mitigation, salvage, repairability and business continuity concerns.
- Establishes and executes a written claim strategy addressing coverage, causation, valuation, scope of damage, time-element exposure, experts, vendors, reserves, recovery opportunities, negotiation and resolution; updates the strategy as material facts develop.
- Analyzes commercial property policies, forms, endorsements, schedules, deductibles, sublimits, valuation provisions, coinsurance, exclusions and conditions; prepares or supports timely and well-reasoned reservation of rights, partial disclaimer and coverage position communications.
- Handles claims involving buildings, machinery and equipment, stock, contents, improvements and betterments, extra expense, business income, contingent business interruption, equipment breakdown, inland marine, builder's risk, cargo, fidelity and crime exposures, as assigned.
- Evaluates primary and excess attachment, underlying limits, exhaustion, allocation, other insurance, subrogation and contribution issues; coordinates with underlying or excess insurers and promptly escalates potential tower-impacting developments.
- Establishes and maintains timely, supportable indemnity and expense reserves based on the available facts and probable exposure; communicates material reserve changes and recommends authority with clear supporting analysis.
- Negotiates complex property and time-element claims directly with insureds, independent adjusters, public adjusters, brokers and other authorized representatives while maintaining professional, transparent and disciplined claim handling.
- Identifies, preserves and pursues subrogation, salvage, contribution and other recovery opportunities; coordinates evidence preservation, destructive testing and expert activity when appropriate.
- Recognizes matters requiring leadership, coverage counsel, special investigation, reinsurance or other escalation and communicates significant developments promptly.
Vendor, Expert and Adjustment Management- Selects, assigns, directs and evaluates independent adjusters and approved support vendors across a national footprint, including engineers, forensic accountants, building consultants, equipment specialists, cause-and-origin experts, environmental consultants, restoration firms, salvage vendors and counsel.
- Defines assignment scope, deliverables, reporting cadence, budget and decision authority; monitors quality, timeliness, cost and compliance and redirects assignments when performance or claim strategy requires.
- Leads field meetings, inspections, scope discussions and claim reviews involving insured representatives, independent and public adjusters, contractors, consultants and other stakeholders.
- Coordinates catastrophe and large-loss field response, including vendor deployment, site access, loss mitigation, initial exposure assessment, reporting and handoff or continued ownership as directed.
Customer and Stakeholder Engagement- Serves as a primary technical point of contact for insureds and brokers on assigned matters, providing proactive, accurate and professional communication regarding claim status, coverage process, information needs, exposure, strategy and next steps.
- Partners with underwriting, account management, Claims leadership, Home Office and other internal stakeholders to address coverage intent, account considerations, claim trends and material developments while preserving claim-handling independence.
- Participates in claim reviews, stewardship meetings and account discussions and presents complex claim issues in concise, business-focused terms suitable for senior stakeholders.
Operational, Regulatory and Quality Responsibilities - approximately 10%- Maintains complete, timely and accurate claim system documentation, including inspection findings, coverage analysis, reserve rationale, action plans, vendor direction, negotiation history and material developments.
- Complies with delegated settlement and reserve authority, company claim handling guidelines, fair claims practices requirements, licensing and continuing education obligations, information-security standards and applicable state and federal requirements.
- Completes required management, Home Office, reinsurance, audit and quality-assurance reporting accurately and on time.
- Acts as a senior technical resource to property claim colleagues and may support file consultation, training, catastrophe readiness, vendor governance, process improvement and special assignments.
SUEducation and Experience- High school diploma or G.E.D. required; bachelor's degree in insurance, business, risk management, engineering, construction or a related field preferred.
- 8+ years of progressively responsible commercial property claim experience, including demonstrated handling of highly complex, high-severity or large-loss claims.
- Demonstrated field experience conducting on-site inspections and managing losses involving insureds, independent adjusters, public adjusters, contractors, experts and other claim professionals.
- Demonstrated experience with primary and excess property claims, complex coverage analysis, reserving, negotiation and vendor or expert management.
- Experience handling significant business interruption, time-element, equipment breakdown, inland marine or catastrophe losses strongly preferred.
Knowledge, Skills and Abilities- Advanced knowledge of commercial property claim investigation, building and equipment damage evaluation, estimating concepts, repair and replacement methods, mitigation, valuation and time-element analysis.
- Ability to interpret complex commercial property policies, endorsements, schedules, engineering reports, estimates, inventories, financial records, forensic accounting analyses and other technical documentation.
- Strong field judgment and situational awareness, including the ability to identify safety concerns, preserve evidence, assess site conditions and coordinate multiple parties at an active loss location.
- Ability to challenge assumptions, reconcile competing scopes and estimates, evaluate proof-of-loss submissions and reach well-supported claim decisions.
- Strong negotiation, conflict-management and relationship skills, including the ability to work effectively with sophisticated insureds and public adjusters while protecting MSIG USA's contractual and financial interests.
- Strong written and verbal communication skills, including executive-level claim reporting and the ability to explain complex coverage, damage and financial issues clearly.
- Ability to prioritize and manage multiple high-severity claims, field assignments, vendors, deadlines and stakeholders with limited supervision.
- Proficiency with Microsoft 365 applications, claim management systems and property estimating or related technical tools used in commercial property adjustment.
Salary: The base pay range is $145,000.00 - $180,000.00 per year. Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.
Additional Benefits:
Healthcare and Retirement Benefits
Comprehensive medical, dental, and vision coverage
401(k) with a generous employer match and profit-sharing contribution
Wellness incentive program
Life and accidental death and dismemberment (AD&D) insurance
Flexible spending programs
Short-term and long-term disability plans
Additional Benefit Programs
Paid time off program
Paid charitable leave
Paid parental leave
Tuition reimbursement program
Personal insurance (auto/homeowners) discounts
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