Senior Technical Claims Specialist, Commercial General Liability and Auto Complex

Senior Technical Claims Specialist, Commercial General Liability and Auto Complex

Join to apply for the Senior Technical Claims Specialist, Commercial General Liability and Auto Complex role at Liberty Mutual Insurance

$82,000.00/yr – $/yr

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 casualty matters. This high‑visibility, high‑autonomy role is ideal for a candidate who thrives on deep coverage analysis, strategic litigation, defense management, and handling high‑exposure, multi‑party claims across jurisdictions.

• Lead ownership of complex/high‑exposure CGL and Commercial Auto Bodily Injury claims and 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.

• 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 deny coverage where appropriate.
• 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 require in‑office attendance twice a month for employees located within a 50‑mile radius of a GRS Claims office in the following cities:
Westborough, MA;
Boston, MA;
Hoffman Estates, IL;
Indianapolis, IN;
Lake Oswego, OR;
Chandler, AZ;
Las Vegas, NV;
Plano, TX; or Suwanee, GA.

• 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 and maintain all‑lines Adjusters license.

Liberty Mutual is an equal‑opportunity employer. We do 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 any basis prohibited by federal, state, or local law. We provide comprehensive benefits, flexible work options, professional development opportunities, and a commitment to an inclusive culture.