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Liberty Mutual Insurance · 1 month ago

Senior Technical Claims Specialist, Commercial General Liability and Auto Complex

US-TX-Plano

Full-time

Hybrid

Senior Level

$82K/yr - $157K/yr

5+ years exp

Liberty Mutual Insurance is seeking a seasoned Commercial General Liability claims professional to serve as a Senior Technical Claims Specialist. This high-visibility role involves managing complex casualty matters, conducting deep coverage analysis, and shaping litigation strategies while collaborating with various teams and mentoring less experienced staff.

FinanceFinancial ServicesInsurance

Responsibilities

Own and manage the full life cycle of complex CGL claims: determine coverage, investigate facts, evaluate liability, set and adjust reserves, negotiate and execute settlements, authorize payments and, where appropriate, deny coverage

Perform advanced coverage analysis on issues such as duty to defend vs. indemnify, occurrence vs. claims-made triggers, allocation, multiple policies/insurers, additional insureds, contractual liability, erosion of limits, pollution and professional services exclusions, intentional acts, and other complex endorsements

Draft and manage coverage opinions, reservation of rights letters, declination letters and coverage litigation strategy; coordinate coverage counsel where appropriate

Lead defense strategy for high-exposure suits: review pleadings and discovery, develop litigation plans, retain and manage outside defense counsel, oversee billing practices, and evaluate settlement vs. trial risk

Coordinate with reinsurance, underwriting and subrogation teams on coverage, recovery and allocation issues; manage reporting and ceded claims processes

Set and maintain appropriate reserves for complex and catastrophic exposures; explain reserve rationale to senior management and auditors

Mentor, train and advise claims staff and less experienced examiners on coverage interpretation and complex claim strategies; act as an internal resource and SME

Monitor case law, regulatory and legislative developments affecting CGL and casualty coverage; translate trends into actionable practice updates and training

Participate in cross-functional special projects (policy language review, claim handling playbooks, major loss response) and continuous improvement initiatives

Qualification

Commercial General LiabilityCoverage analysisLitigation managementClaims management systemsAll-lines Adjusters licenseJudgment under pressureWritten communicationVerbal communicationDecision-making

Required

5-7+ years of progressively responsible experience handling Commercial General Liability and/or complex Commercial Auto casualty claims, including substantial experience with high-severity and multi-party litigation

Demonstrated expertise in coverage analysis and interpretation of CGL policies and common endorsements; experience drafting coverage opinions and reservation of rights letters

Strong litigation management experience: selecting and supervising defense counsel, discovery and trial exposure management, mediation/arbitration, and settlement negotiations

Proven ability to analyze, allocate and defend exposure across multiple policies and jurisdictions

Excellent written and verbal communication skills; capable of articulating complex coverage positions to legal counsel, underwriting, senior management and external parties

Strong decision-making and judgment under pressure with a track record of handling confidential, high-stakes matters

Proficient with claims management systems and standard MS Office tools (Excel, Word)

Required to obtain/maintain all-lines Adjusters license