Description
By joining Sedgwick, you'll be part of something truly meaningful. It's what our 33,000 colleagues do every day for people around the world who are facing the unexpected.
The Commercial General Liability (CGL) Claims Adjuster is responsible for the end-to-end handling of complex third-party bodily injury and property damage claims arising under commercial general liability policies.
Responsibilities
- Claim Investigation & File Ownership: Independently investigate and manage a full caseload of CGL claims, drive timely claim resolution, and adhere to best practices in diary management and documentation.
- Coverage Analysis & Policy Interpretation: Analyze complex policy language to determine coverage applicability, draft clear coverage position letters, and ensure compliance with jurisdictional requirements and client expectations.
- Liability & Damages Evaluation: Conduct comprehensive liability investigations, evaluate injury severity, medical treatment, and long-term exposure, and establish, maintain, and adjust reserves.
- Litigation Management: Manage litigated files, provide strategic oversight on litigation plans, budgets, pleadings, discovery, and dispositive motions, and participate in mediations, settlement conferences, and trial preparation.
- Settlement & Negotiation: Negotiate settlements within delegated authority, evaluate settlement value, and escalate appropriately when exceeding authority.
- Risk Transfer & Subrogation: Identify, evaluate, and pursue risk transfer opportunities, coordinate with coverage counsel, carriers, and third parties to maximize recovery and proper allocation of liability.
- Client & Stakeholder Communication: Maintain proactive, professional communication with insureds, claimants, brokers, clients, and internal stakeholders, and provide detailed status updates, large loss reports, and claim summaries.
- Documentation, Compliance & Quality: Maintain thorough, accurate, and timely file documentation, ensure compliance with applicable state regulations, client service instructions, and internal audit and quality standards, and participate in internal and external audits, file reviews, and continuous improvement initiatives.
Requirements
- Bachelor's degree or equivalent work experience.
- Adjuster licensing as required by jurisdiction(s) handled.
- Minimum of 5+ years of commercial general liability claims handling experience required; experience with litigated and construction-related claims strongly preferred.
- Strong understanding of CGL coverage, policy interpretation, and jurisdictional differences.
- Experience managing litigated claims and working with defense counsel.
- Knowledge of construction defect, additional insured coverage, and risk transfer strategies.
- Ability to assess liability, damages, and exposure in complex loss scenarios.
- Strong negotiation and settlement skills.
- Excellent written and verbal communication.
- Proficiency in claims systems and Microsoft Office applications.
- Demonstrated organization, attention to detail, and time management.
- Ability to work both independently and collaboratively in a fast-paced, team-driven environment.
- Proven ability to meet or exceed performance, quality, and compliance metrics.
Benefits
- Comprehensive benefits package including medical, dental, vision, 401k and matching, PTO, disability and life insurance, employee assistance, flexible spending or health savings account, and other additional voluntary benefits.