PropertyLiabilitySpecialist

## Accountabilities Manage a portfolio of homeowners liability claims, primarily renters and condo cases, from first notice of loss through resolution. Conduct detailed investigations to evaluate liability, including analysis of statements, reports, evidence, and loss circumstances. Apply state-specific liability laws, including comparative and contributory negligence principles, to determine proportionate fault and defensible outcomes. Establish claim strategies and action plans aligned with internal guidelines, regulatory requirements, and best practices. Assess coverage and policy language, clearly communicating determinations and potential coverage issues to insureds and stakeholders. Set and manage reserves, ensuring appropriate financial exposure while escalating complex or high-value matters when necessary. Negotiate settlements within assigned authority, confidently defending liability positions and achieving fair outcomes. Document claims thoroughly and prepare clear, accurate reports for internal teams, clients, and external partners. Collaborate with policyholders, claimants, attorneys, vendors, and other parties throughout the lifecycle of each claim. Identify emerging claim trends and communicate insights to leadership and underwriting teams. Stay current on legal developments, statutes, and evolving liability practices through ongoing learning and training. Requirements Bachelor’s degree and 3+ years of experience in liability claims handling or a related insurance field. Active adjuster’s license in applicable states or ability to obtain and maintain required licensing. Strong knowledge of comparative and contributory negligence, joint and several liability, and pro-rata fault principles. Experience handling auto liability or bodily injury claims is highly transferable and preferred. Demonstrated ability to independently evaluate liability and make defensible claims decisions. Strong investigative and analytical skills with the ability to assess compl