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Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st Shift (United States of America)
Please review the following job description:
A Complex Claims Manager - Environmental is responsible for investigating, evaluating, and resolving insurance claims related to environmental damage, as well as claims involving General Liability (GL) and Excess Liability (including excess auto). This role involves analyzing coverage, assessing liability, negotiating settlements, and managing legal defense strategies, all while ensuring compliance with environmental regulations and minimizing the company's financial exposure. Additionally, the Environmental Claims Manager will collaborate with underwriting on marketing, portfolio management, and other strategic initiatives.
- Thoroughly investigate environmental claims, GL and Excess Liability by gathering information on the incident, site assessment, potential pollutants, and impacted parties to determine the scope of damage and liability.
- Review insurance policies to determine coverage applicability for environmental, general liability and excess liability claims, including policy limits and exclusions.
- Evaluate potential liability based on the investigation findings, legal precedents, and environmental regulations.
- Calculate and assign appropriate claim reserves based on the potential damages and liability assessment to accurately reflect the financial exposure.
- Negotiate settlements with claimants or their legal representatives to reach a fair and cost-effective resolution.
- Coordinate with legal counsel to manage legal defense strategies, including assigning attorneys, reviewing legal documents, and monitoring litigation progress.
- Manage consultants and contractors, including reviewing environmental work plans, remedial designs, and other technical aspects of environmental projects.
- Identify and implement cost-saving measures during the claims process, such as utilizing preferred vendors or negotiating favorable settlement terms.
- Investigate potential fraudulent claims related to environmental and non-environmental damages.
- Ensure adherence to all relevant environmental regulations and reporting requirements throughout the claims process.
- Maintain clear communication with policyholders, brokers, adjusters, legal counsel, and internal stakeholders regarding claim status and updates.
- Identify patterns and trends within environmental claims to inform risk management strategies and proactive measures.
- Oversee a portfolio of claims for the Environmental Division, prioritizing critical cases, and monitoring overall claim performance.
- Provide underwriting teams with insights on environmental risks and participate in risk assessment meetings.
- Collaborate on marketing strategies and contribute real-world examples for marketing materials.
- Analyze claims portfolio performance and recommend risk mitigation strategies.
- Share claims insights for new product development and refine policy language.
- Conduct training on claims handling and regulatory changes.
- Liaise between claims, underwriting, and other departments to ensure cohesive risk management.
EDUCATION AND EXPERIENCE
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Bachelor’s Degree required, Juris Doctorate preferred.
- Minimum of 5 years’ experience required.
CERTIFICATIONS, LICENSES, REGISTRATIONS
FUNCTIONAL SKILLS
- Extensive knowledge of environmental laws, regulations, and compliance standards.
- Proven experience in managing complex insurance claims, including investigation, evaluation, and resolution.
- Ability to analyze complex data, assess environmental impacts, and make informed decisions.
- Strong negotiation skills to reach favorable settlements with claimants and legal counsel.
- Understanding of legal principles related to environmental liability and insurance coverage.
- Strong interpersonal skills to build and maintain relationships with internal and external stakeholders.
- Ability to represent the company in market-facing activities, including client meetings, industry conferences, and networking events.
General Description of Available Benefits for Eligible Employees of TIH Insurance: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of TIH Insurance offering the position. TIH offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. Depending on the position and division, this job may also be eligible for restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
CRC supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. CRC is a Drug Free Workplace.
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