Claims Specialist

• Manage complex first-party and third-party cyber claims from first notice through resolution, including data breaches, ransomware, business interruption, technology E&O, and privacy liability
• Conduct thorough investigations using internal and external resources in compliance with Financial Lines best practices
• Handle high-volume caseload while maintaining quality standards and service excellence
• Document all claim activities, evaluate liability and damages, and maintain comprehensive claim files
• Analyze cyber insurance policies, including manuscript endorsements, to determine accurate coverage positions
• Issue clear, empathetic coverage letters explaining policy terms and limitations to small business insureds with limited insurance knowledge
• Manage claims involving coverage disputes and litigation with professionalism and sound judgment
• Set and manage timely, accurate reserves based on exposure analysis throughout the claim lifecycle
• Focus primarily on claims with expected value at or below $100,000, escalating as appropriate
• Review and approve settlements within authority level; make recommendations to management for larger claims
• Serve as primary liaison between insureds, capacity partners, defense counsel, forensic investigators, breach notification vendors, and other service providers
• Coordinate cyber incident response efforts and guide insureds through the breach response process
• Oversee vendor performance and costs to ensure quality service delivery within policy limits
• Develop and maintain strong relationships with panel counsel and breach response vendors
• Partner with underwriting to provide claims insights, emerging trends, and loss data to inform risk selection and pricing
• Identify and communicate attack vectors, vulnerabilities, and systemic risks that could impact the underwriting portfolio
• Participate in large loss discussions with underwriting, product leadership, and executive management.
• Serve as liaison between Head of Claims, capacity teams, brokers, and internal stakeholders.

Senior Cyber Claims Specialist

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