Senior Claims Adjuster, Latent Liability (APH)

Reports To: Manager, APH Claims

Location: Fully remote, US-based. Central or Eastern Time Zone, with Eastern preferred

Compensation: $115,000 to $130,000 base, commensurate with experience

Type: Exempt, full-time

THE OPPORTUNITY

Harrison Gray Search is partnering with a growing global insurance and reinsurance business operating in the Property & Casualty market to identify a Senior Claims Adjuster to join its Latent Liability (APH) claims team. This is a backfill hire following the departure of the current adjuster for another opportunity, and represents an immediate opening on a busy, established, fully remote team.

Our client's US claims operation runs as a distributed team across multiple East Coast offices, with the majority of adjusters working remotely and collaborating daily via Microsoft Teams. The team is collegial, communicative, and disciplined, a strong fit for an experienced APH adjuster who wants to work independently on complex claims within a supportive team environment.

KEY OBJECTIVES

Handle complex, long-tail latent liability claims across asbestos, environmental pollution, molestation, and other toxic tort matters from intake through resolution. The claims mix is spread across all four categories rather than concentrated in one, so breadth of APH experience matters. Claims are predominantly direct.

The successful candidate will be up and running quickly on the substantive work. Prior deep experience managing these claim types is the single most important qualification. Willingness to learn the client's specific systems and processes is expected, but there is no runway to learn APH itself on the job.

SUMMARY OF RESPONSIBILITIES

Provide claims handling on complex and latent claims in compliance with claims handling procedures, client SLA, and within agreed authority levels, including accurately capturing and updating claims data in compliance with best practices
Apply knowledge and judgment to determine liability by gathering and analyzing relevant facts, utilizing applicable law, and determining the existence and applicability of coverage
Work to reach timely resolution by developing case strategy, including case evaluation and escalation as appropriate
Establish timely reserves and perform ongoing review throughout the claims cycle within authority limits, estimating and validating value of claims
Negotiate settlement of claims by establishing appropriate negotiation strategy and utilizing available tools and resources within authority limits; know when to escalate due to severity and complexity
Manage litigation by liaising with internal and external legal counsel, establishing litigation plan and budget, coordinating defense activities, and reviewing and authorizing litigation expenses
Apply knowledge and judgment to determine appropriate reserve levels for identified liabilities

QUALIFICATIONS AND EXPERIENCE

Minimum 5 years of experience in a similar claims handling role within the insurance industry, or a licensed attorney with comparable experience in toxic tort, asbestos, hazardous waste, environmental, and/or molestation matters seeking to transition into insurance
Deep, hands-on APH experience is essential; candidates without direct APH claims background will not be considered
Appropriate state adjuster licensing required; candidates not already licensed will be required to complete license testing and procure necessary licenses shortly after start
Degree-educated, ideally with insurance or legal qualifications and/or a J.D.; the J.D. is not required if the candidate has strong APH adjuster experience
Knowledge and experience gained from handling long-tail latent liabilities
Production of high-quality written work product is essential

SKILLS AND ATTRIBUTES

Resilient and flexible, with the ability to adapt to short and changing deadlines
Effective and confident communicator, able to manage multi-party relationships and complex claim negotiations
Self-motivated with the ability to work independently and remotely, and to motivate others
Accurate and reliable, with excellent attention to detail and an analytical approach
Maintains professional and technical knowledge through training, networks, and professional qualifications

ADDITIONAL DETAILS

Fully remote work environment for candidates in the Central or Eastern Time Zone, with Eastern preferred. The role requires holding Eastern business hours regardless of where the candidate is based
Occasional travel to US office locations may be required to meet with colleagues
Interview process: hiring manager, then Head of Department for APH Claims, potentially with Managing Director

Harrison Gray Search & Consulting

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