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AVP, Complex Claims Specialist

Summary/Objective:

The AVP, Complex Claims Specialist owns the handling and resolution of the organization’s most complex, high-exposure casualty claims across admitted and E&S portfolios. This role requires advanced technical expertise and judgment to navigate complex coverage issues, lead investigations, evaluate significant financial exposure, and develop defensible claim strategies. Operating with a high degree of independence, the AVP sets litigation and resolution strategies, directs defense counsel and experts, and leads high-stakes negotiations with claimants and attorneys. This individual serves as a key decision-maker and escalation point for complex or sensitive matters.

Essential Duties & Functions:

Manage a portfolio of complex, high-exposure casualty claims, including General Liability, Products, Life Sciences, Construction, and supported Excess placements
Analyze coverage and communicate clear, well-supported coverage positions to insureds, brokers, and other stakeholders based on policy language, facts, and allegations
Lead comprehensive claim investigations, engaging relevant parties (e.g., insureds, claimants, counsel, experts, and authorities) to evaluate liability, damages, and contribution potential
Establish, monitor, and adjust indemnity and expense reserves in alignment with claim developments and exposure
Develop and execute claim-specific strategies to drive timely, effective, and well-reasoned outcomes
Direct defense counsel and experts, including development of litigation strategy, budgets, and adherence to panel guidelines to ensure effective case management and cost control
Negotiate complex, high-value claims with claimants, insureds, and legal representatives to achieve optimal resolution
Prepare and deliver coverage position letters, including on litigated matters, with minimal to no external support
Serve as a subject matter expert and key resource to internal stakeholders, including presenting loss analyses and strategy in discussions with underwriting and insureds
Represent the company in mediations, arbitrations, depositions, trials, and other legal proceedings, as appropriate
Ensure accurate, timely, and compliant claim handling, including thorough documentation and adherence to internal standards and regulatory requirements
Identify and escalate emerging risks, coverage issues, and high-severity matters, providing recommendations and influencing outcomes
Perform other duties as assigned

LIO LIFE – What we value:

The Customer Lens – Prioritizing our relationships, service and needs of our customers.
Innovative Thinking – Fostering an environment that empowers and sustains bold thinking and actions.
Balance – Creating an inclusive, diverse, and holistic balance to meet our personal and professional needs.
Simplicity – Striving for simplicity in our service, products, and processes.
Accountability – Owning our results and learning from them.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements list below is representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with dishabilles to perform the essential functions.

Exceptional written and verbal communication skills, with the ability to clearly articulate complex positions and influence diverse stakeholders
Advanced judgment and decision-making capabilities, including the ability to evaluate risk, balance competing priorities, and drive sound outcomes
High degree of integrity and professionalism, with a strong commitment to confidentiality and ethical conduct
Strategic and analytical mindset, with the ability to assess complex information, identify key issues, and develop well-reasoned solutions
Ability to lead through influence, including navigating challenging conversations, negotiating effectively, and driving alignment across stakeholders
Proven ability to build strong relationships and collaborate effectively across all levels of the organization and with external partners
Strong organizational and execution skills, with the ability to manage multiple complex matters, prioritize effectively, and deliver results in a timely manner
Ability to operate with autonomy in a fast-paced, dynamic environment, demonstrating accountability and ownership
Demonstrated respect for diverse perspectives, with the ability to foster an inclusive and collaborative working environment
Customer-focused mindset, balancing service, financial outcomes, and risk considerations
Strong planning and execution capabilities, with the ability to develop and drive strategies from concept through resolution
Comfort operating in a lean, entrepreneurial environment, with a proactive approach to problem-solving and continuous improvement

Required Education and Experience:

Bachelor’s Degree
10 - 15 + years of casualty claims experience, including claims handling in general liability, life sciences, products liability, construction liability
State adjuster licensing

Preferred Education and Experience:

CPCU, AIS and/or JD.

Additional Eligibility Requirements (Certificates, Licenses, Required/Preferred):

CPCU or AIS

Benefits:

As a core value, LIO Insurance understands the importance of balance to meet both personal and professional needs. Our benefits include:

Flexible (unlimited) Time Off and 13 paid holidays
401k
Maternity Leave
Competitive Medical to support holistic health
- Medical, dental/ortho, vision, life and disability insurance
- HSA/FSA/DCAP savings plans

Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment.

Position Type/Expected Hours of Work:

This is a full-time position. Expected days and hours of work are Monday through Friday, 8:30 a.m. to 5 p.m. This position may require long hours and weekend work.

Travel:

Occasional travel may be necessary for this position – to attend mediations, trials, or large property loss exposures.

EEO Statement:

LIO Insurance provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, creed, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Other Duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

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