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.
- Liability & Damages Evaluation: Conduct comprehensive liability investigations, evaluate injury severity, and establish reserves in accordance with claim developments and severity exposure.
- Litigation Management: Manage litigated files, provide strategic oversight on litigation plans, and participate in mediations and settlement conferences.
- 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, and maximize recovery.
- Client & Stakeholder Communication: Maintain proactive communication with insureds, claimants, brokers, clients, and internal stakeholders.
- Documentation, Compliance & Quality: Maintain thorough file documentation, ensure compliance with applicable state regulations, and participate in internal and external audits.
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.
- 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.
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.