Senior Commercial General Liability (CGL) Claims Adjuster

Atlantic Casualty Insurance Company (ACIC) is a recognized Excess and Surplus Lines carrier and proud affiliate of the Auto-Owners Insurance Group since 2016. With authority in all 50 states and Washington, D.C., ACIC provides innovative insurance solutions while maintaining a strong financial foundation, reflected in our A.M. Best rating of A+ (Superior).

Our strength comes from our people. For six consecutive years, we've been certified a Great Place to Work and consistently ranked among Fortune’s “100 Best Small and Medium Workplaces”. At ACIC, we foster a culture where everyone belongs. We’re a team—supporting one another through leadership development, mentorship programs, career certifications, and comprehensive benefits.

Our benefits include:

• Health, Dental & Vision plans (HSA & PPO options)
• 401(k) with company match + financial advisor access
• Tuition reimbursement & student loan assistance
• Paid parental leave
• Counseling and mental wellness support
• Flexible work and in-office schedules

Summary:
Atlantic Casualty Insurance Company (ACIC), an Excess & Surplus (E&S) lines carrier, is seeking an experienced Senior Commercial General Liability (CGL) Claims Adjuster to manage complex liability claims across multiple jurisdictions.

This role is responsible for the investigation, evaluation, and resolution of moderate to highly complex CGL claims, including those involving bodily injury, premises liability, and litigation. The ideal candidate brings strong coverage analysis skills, commercial claims experience, and a carrier-based claims handling background.

Key Responsibilities:

• Independently manage a caseload of commercial general liability (CGL) claims from inception through resolution
• Analyze and interpret policy language, coverage, and liability in accordance with applicable state laws and E&S guidelines
• Conduct thorough investigations, including liability determination, damages evaluation, and coverage assessment
• Handle bodily injury, premises liability, and products liability claims, including complex and litigated matters
• Establish and maintain appropriate loss and expense reserves
• Manage claims in litigation, including coordination with defense counsel, experts, and vendors
• Evaluate and negotiate settlements within assigned authority levels
• Identify and pursue subrogation opportunities where applicable
• Maintain accurate and timely claim file documentation and diary management
• Oversee and direct the work of independent adjusters and appraisers when field investigation is required
• Communicate effectively with insureds, claimants, attorneys, agents, and internal stakeholders
• Provide guidance and mentorship to less experienced adjusters as needed

Required Qualifications:

• Minimum 5+ years of direct Commercial General Liability (CGL) claims handling experience
• Proven experience handling bodily injury and complex liability claims, including litigation
• Strong knowledge of coverage analysis, policy interpretation, and liability evaluation
• Experience managing claims within an insurance carrier environment strongly preferred
• Familiarity with state laws and regulations governing liability claims
• Demonstrated ability to evaluate damages, negotiate settlements, and manage claim outcomes independently
• Strong written and verbal communication skills
• Effective time management and organizational skills
• Proficiency with claims management systems and standard business software

Preferred Qualifications:

• Experience working with an Excess & Surplus (E&S) or non-admitted carrier
• Background handling complex, high-exposure, or specialty liability claims
• Multi-state claims handling experience
• Adjuster licensing in home state and ability to obtain non-resident licenses as needed

Additional Information:

• This position requires the ability to manage confidential and sensitive information
• Occasional collaboration with internal departments and leadership on complex claims
• Other duties as assigned

MENTAL REQUIREMENTS:

Must be able to clearly define systems and operational problems and draw valid conclusions and recommendations as to how to resolve. Must possess ability to interpret and delegate an extensive variety of instructions in written or diagram form. Reasoning; dealing with problems involving a few variables in standard situations. Must also be able interact on personnel matters in a secure and confidential manner.

PHYSICAL REQUIREMENTS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle controls and talk or hear. The employee frequently is required to sit and reach with hands and arms. The employee is occasionally required to stand and walk. The employee may infrequently lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate. Works primarily indoors.

TRAVEL: 5%