Casualty Litigation Specialist

Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success® for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.

Listed within this posting is the anticipated salary range for this position, plus variable incentive compensation. The final salary offered to a successful candidate may vary and will be dependent on several factors that include, but are not limited to, your business experience, education, and individual capacity. Harford Mutual is a multi‑state employer, and this salary range may not reflect positions that work in other states.

The Casualty Litigation Specialist exercises independent discretion or judgment in handling complex, high exposure and high severity claims. This role oversees a majority of cases in litigation and works closely with outside counsel. This role also assists or acts on behalf of the Claims Supervisor, Manager, or Claims Director as needed.

In‑Person/Hybrid (Home Office)

• Conducts prompt and thorough investigations of complex and high exposure casualty claims within departmental and regulatory guidelines.
• Effectively communicates through telephone, written, and other communication methods with policyholders, claimants, attorneys, witnesses, and others with pertinent information.
• Provides quality claims service to our policyholders and agents by remaining in constant communication with them throughout the claim lifecycle and litigation process.
• Oversees cases in litigation ensuring proper handling by outside counsel while collaborating in the development of the litigation strategy and plan of action.
• Analyzes information to evaluate assigned claims to determine the extent of loss, taking into consideration coverage, liability, damages and future investigation needs.
• Evaluates coverage, determines liability, and utilizes negotiation skills to resolve claims within authority to include the ability to draft the respective communications required on the claim.
• Displays comprehensive expertise in casualty claims, including mastery of jurisdiction‑specific documentation, statutory obligations, and the evolving legal environment affecting casualty litigation.
• Actively participates in mediations to achieve efficient resolution of claims.
• Accurately apply the HMIG reserving practice by continually evaluating claim exposure to establish appropriate and timely reserves over the life of the claim.
• Maintain a claim dashboard and diary to comply with departmental diary procedures.
• Assess and initiate subrogation and risk transfer strategies as appropriate.

• Four‑year college degree; or comparable claims work experience.
• Over 7 years’ experience in progressive claims roles; prior experience in Casualty (Construction Defect, General Liability, Employers’ Liability and Auto Liability) Claims.
• AIC and pursuit of CPCU preferred.
• Knowledge in the legal field; expertise in areas of coverage, statutory laws, and jurisdictional requirements.
• Adjuster License in DE, NC, SC, KY and WV preferred.

The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Harford Mutual Insurance Group provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the Perks & Benefits on our website.