Senior Technical Claims Specialist, Commercial General Liability and Auto Complex

Description

We are seeking a seasoned Commercial General Liability claims professional to serve as a Senior Technical Claims specialist and enterprise subject-matter expert on complex and highly complex casualty matters. This is a high-visibility, high-autonomy role for a candidate who thrives on deep coverage analysis, strategic litigation and defense management, and handling high-exposure, multi-party claims across jurisdictions. The ideal candidate combines advanced CGL experience with sharp coverage-interpretation skills, strong judgment, and a proven track record of resolving difficult liability and coverage issues.

Why this role is compelling

• Lead ownership of complex/high-exposure CGL and Commercial Auto Bodily Injury claims and the chance to shape litigation and coverage strategy.
• Regular collaboration with coverage counsel, defense counsel, underwriting, reinsurance and senior management - be the go-to SME.
• Opportunity to influence policy, processes and training across the claims organization.
• Authority to structure complex settlements and manage reserving for high severity matters.

Primary 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.

This position can be filled by a remote employee; however, we do have in office requirements twice a month if you leave within 50 miles of a GRS Claims office aligned with one of the following: Westborough, MA; Boston, MA; Hoffman Estates, IL; Indianapolis, IN; Lake Oswego, OR; Chandler, AZ; Las Vegas, NV; Plano, TX; or Suwanee, GA. Due to business need, we would ideally like to hire someone who is located in Oregon, Washington, Colorado, Idaho, Texas or Wyoming.

Qualifications

• 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.

About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

As a purpose-driven organization, Liberty Mutual is committed to fostering an environment where employees from all backgrounds can build long and meaningful careers. Through strong relationships, comprehensive benefits and continuous learning opportunities, we seek to create an environment where employees can succeed, both professionally and personally.

At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow.

We are dedicated to fostering an inclusive environment where employees from all backgrounds can build long and meaningful careers. By actively seeking employee feedback and amplifying the voices of our seven Employee Resource Groups (ERGs), which are open to all, we create an environment where every individual can make a meaningful impact so we continue to meet the evolving needs of our customers.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://LMI.co/Benefits

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

Fair Chance Notices

• California
• Los Angeles Incorporated
• Los Angeles Unincorporated
• Philadelphia
• San Francisco

Client-provided location(s): Seattle, WA, Colorado Springs, CO, Plano, TX, Idaho Falls, ID, Lake Oswego, OR, Texarkana, AR, Laramie, WY

Job ID: liberty_mutual-2025-73006-en_6

Employment Type: OTHER

Posted: 2025-11-13T20:23:07