General Liability Claims Examiner

Position Summary

We are seeking an experienced Complex Liability Adjuster to handle high-exposure, complex casualty claims involving significant financial risk and legal complexity. The ideal candidate will bring strong analytical skills, advanced coverage knowledge, and the ability to manage claims through litigation while working closely with defense counsel, insureds, and internal stakeholders.

This position may be located at our Rutherford, New Jersey home office or remote based.

• Investigate, evaluate, and resolve complex liability claims, including high-exposure bodily injury, property damage, catastrophic loss, and litigated matters
• Analyze coverage, liability, damages, and exposure to determine appropriate claim strategy
• Establish, monitor, and adjust reserves in compliance with best practices and company guidelines
• Manage litigated claims in coordination with defense counsel, including reviewing pleadings, discovery, motions, and settlement strategies
• Conduct in-depth interviews, recorded statements, and scene investigations as needed
• Evaluate medical records, expert reports, and economic damages
• Negotiate settlements within assigned authority and prepare cases for mediation, arbitration, or trial
• Maintain accurate, timely, and well-documented claim files
• Communicate effectively with insureds, claimants, attorneys, brokers, and internal management
• Ensure compliance with regulatory requirements, company standards, and service expectations

• Minimum 7–10 years of experience handling complex or high-exposure liability claims
• New York Adjuster license
• Strong background in litigated claims management
• In-depth knowledge of liability coverage, tort law, and claims best practices
• Proven negotiation and settlement skills
• Excellent written and verbal communication abilities
• Ability to independently manage a large, complex caseload
• Strong analytical, organizational, and decision‑making skills
• Proficiency with claims management systems and Microsoft Office

Raphael & Associates is a third‑party claims administrator and independent claims adjusting company internationally recognized for exceptional service. We understand the importance of adapting to the demands of a dynamic market and we tailor our services to our client’s specific needs. As a claim’s organization, what we do is complex. Our mission is simple: to provide outstanding service, retain extraordinary professionals, and utilize the best technology in the industry!

As a leading organization in the industry, we offer dynamic and challenging opportunities to individuals who want to make a difference. We value camaraderie, vision, a passion for excellence, creativity, and self‑reliant professionals.

We are an organization that recognizes and appreciates hard work! We offer a competitive compensation package commensurate with experience, including salary, bonus, paid time off, medical/dental/vision/life insurance and 401(k) (with matching!). Most importantly, you will have the opportunity to work directly alongside an extraordinary and dedicated team to grow a critical function within a dynamic, growing company.