Casualty​/Liability Claim Specialist

This role requires residency in Ohio or Indiana.

The Casualty Claims Specialist manages high‑exposure, multifaceted insurance claims requiring advanced skills in coverage analysis, litigation management, legal and medical document review, and negotiation to achieve economical, defensible resolutions. These roles involve working with minimal supervision, potentially mentoring others, and demand significant experience in complex claims handling and litigation.

Salary Grade (13) 77,432
-98,

This role is responsible for determining coverage, assessing liability, establishing and adjusting reserves, evaluating claims, managing litigation, and negotiating settlements within assigned authority limits across multiple lines of business, including Homeowners, Personal Auto, Commercial Auto, Commercial Liability, Business owners and Farm Liability. The Claims Specialist conducts thorough investigations to determine liability for all involved parties while delivering exceptional customer service that protects policyholders and safeguards company assets.

Demonstrating strong expertise and sound judgment in complex matters, the Claims Specialist may serve as a subject matter expert and manages a designated caseload of casualty losses in compliance with company standards and applicable regulatory requirements (IC 27-4-1 / ORC 3901-1-54).

Experience in analyzing, adjusting, and settling litigated claims under Homeowners, Personal Auto, Business Auto, Commercial General Liability, Business owners, and Farm policies.

• Coverage/Investigation/Liability – Determines whether proper coverage exists for the type of claim assigned. Investigates thoroughly to obtain relevant facts concerning all aspects of the claim, such as coverage, liability, legal climate, potential exposure, and damages, and makes decisions, where appropriate, on claim resolution. Monitors ongoing case development for appropriateness.
• Damages – Determines the value of the physical damage of property, automobiles, or injuries through physical inspections and use of appropriate tools. Obtains all necessary documentation to support claim evaluation. Recognizes claim file exposures and escalates appropriately.
• Reserving/Reporting – Establishes and reviews proper reserves for each claim based upon thorough investigation, evaluation, and experience. Completes appropriate reports so that the status of the claim is clearly documented at all times.
• Determines need for, and engages independent adjusters, cause and origin experts, independent medical examiners or other experts (e.g. reconstructionist, engineer).
• Proficiently and proactively handles the claim file through various phases of litigation. Independently reviews the applicability of coverage and civil law as well as local statutes. Attends mandatory and court‑ordered litigation events: mediation, pre‑trial, trial.
• Keeps abreast of existing and proposed legislation, court decisions and trends and experience pertaining to coverage, liability and damages. May analyze the impact upon claims policies and procedures and advises Claims Management. Participates in or leads special projects and mentors others, as needed.
• Initiates prompt and effective communication with all parties having legal or contractual interest in claim presented.
• Capable of drafting clear and concise letters and other correspondence.
• Accountable for security of financial processing of claims, as well as security information contained in claims files.
• Confers directly with policyholders on coverage and resolution issues pursuant to Home Office instructions.
• Prepares claims for trial, complies with trial alert procedures and notifies/updates reinsurance when appropriate.
• Participates in training programs, conferences and departmental and intra‑departmental meetings.
• May be required to be on‑call, on a limited basis, for after‑hours emergencies.
• Any other duties deemed necessary by supervisor or management.

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To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the…