Claims Specialist

• Investigating, evaluating, and negotiating general and auto liability claims.
• Conducting thorough investigations of coverage, liability, and damages.
• Communicating effectively with internal and external customers on claims issues.
• Maintaining and managing a diary system to manage claims inventory.
• Preparing Large Loss reports and maintaining ongoing claim updates.

Claims Analyst IV – Auto and GL

• Conduct field-based investigations by visiting policyholders’ homes
• Use claims handling software, a company car, and laptop to assess damages
• Represent the Company from a public relations standpoint
• Negotiate with policyholders to settle the claim

Field Property Claims Adjuster

• Provides quality investigation and analysis to adjust claims of medium complexity/severity, including litigated files, to proper resolution
• Promotes the success of the organization through development of relationships with agencies, policyholders, and employees
• Collaborate and communicate with agents, policyholders, and internal stakeholders on claims of medium complexity/severity and book of business
• Investigate losses, identify coverage, evaluate liability and damages, review and analyze documents and legal pleadings
• Develop plan of action to proactively conclude claims, timely evaluate damages, engage other parties in negotiations and settle claims pursuant to guidelines
• Establish and maintain proper reserves for each claim to accurately reflect the financial exposure
• Determine need for, identify and engage external resources as needed to execute proper resolutions while monitoring and controlling costs
• Collaborate with internal partners to address contractual indemnifications and/or additional insured coverage issues
• Collaborate with counsel to manage litigated claims
• Review and interpret commercial insurance policies and accordingly communicate coverage issues verbally and in writing

Senior Auto & General Liability Claims Adjuster

• Investigates and adjudicates claims within designated authority, ensuring compliance with appropriate statutory laws.
• Verifies coverage, establishes and maintains reserves, secures recorded statements, drafts and processes correspondence, reports and records.
• Obtains additional information as required to determine liability.
• Documents claim files and facilitates processing of claims in collaboration with other departments.
• Assigns outside experts when necessary to assist in investigation and in support of potential recovery.
• Establishes contact with all parties involved in the claim in accordance with ERIE’s expectations.
• Evaluates and negotiates claims, recognizes subrogation opportunities, and initiates action.
• Responds to inquiries from Policyholders, Agents, insurance carriers, claimants, assigned experts and others.
• Learns and maintains knowledge of liability laws for each state.
• Learns and maintains knowledge of motor vehicle codes.

Inside Claims Representative I

• Analyzing liability claim submissions for potential coverage
• Setting adequate case reserves
• Promptly and professionally responding to inquiries from customers and their brokers
• Proactively driving early resolution of claims arising from the Cyber, Tech PL, Media and/or Crime professional liability lines of business
• Reviewing and analyzing claim documentation and legal filings
• Drafting coverage analyses for tech E&O, first and third party cyber claims
• Strategizing and maximizing early resolution opportunities
• Monitoring litigation and managing local defense and breach counsel
• Attending mediations and/or settlement conferences, either in person or by phone as appropriate
• Managing and tracking third-party vendor and service provider spend
• Continually assessing exposures and adequacy of claim reserves

Complex Claims Specialist – Cyber Tech E&O, Media & Crime

• Handling Directors & Officers Liability Claims
• Identifying, investigating, and resolving coverage issues
• Providing clear communication of policy coverage issues to various stakeholders
• Coordinating with counsel and insureds
• Exploring technology and strategic claims resolutions
• Analyzing and budgeting litigation of claims
• Making presentations to management as necessary
• Managing reserve adjustments and payments

Claims Analyst IV – Management Liability

• Responsible for handling primarily Transportation/Logistics, Motor Truck Cargo, and other Inland Marine claims
• Handles moderate to complex exposure claims
• Confirms coverage of claims by reviewing policies and documents
• Directs and monitors assignments to experts and outside counsel
• Analyzes coverage and communicates coverage positions
• Prepares coverage position letters
• Conducts, coordinates, and directs investigation into loss facts and extent of damages
• Provides timely service throughout the life cycle of the claim by meeting service level agreements
• Evaluates information on coverage, liability, and damages
• Negotiates and settles claims
• Participates in special projects or assists other team members as requested
• Travels to mediations, trials, and conferences as required

Senior Claims Examiner, Inland Marine

• Make initial contacts with interest parties
• Handle moderate to high exposure construction defect claims involving residential and commercial projects.
• Analyze coverage and draft coverage position letters as needed
• Conduct liability investigations
• Comply with DOI regulations
• Retain and coordinate with defense counsel and experts to develop and execute agreed-upon litigation strategies, while managing plans and budgets to ensure effective case resolution
• Coordinate the retention of experts, subject to an agreed upon budget
• Establish timely indemnity and expense reserves based on an exposure analysis that is documented in the claim file, revisiting reserve adequacy on a continual basis
• Draft well written and comprehensive captioned reports to request reserve and settlement authority on higher exposure cases that outline all critical aspects of the case in preparation for roundtable presentations to the carrier partners
• Travel up to 10% to attend mediations, settlements conferences and trials on appropriate cases
• Keep current on key changes in case law and industry trends
• Assist underwriting and other business partners

Senior Casualty Claims Examiner – Construction

• Investigates and/or directs the investigation of commercial property claims.
• Interviews insureds, claimants and others as required.
• Inspects property damage, reviews information to prepare estimates, evaluates and makes recommendations regarding coverage of claims, determines liability and total value of claims and negotiates settlements.
• Determines all available coverage for risk and ERIE's liability and establishes total value of loss.
• Identifies all subrogation potential.
• Reviews information to prepare estimates and arranges for repairs of insured losses.
• Settles loss and maintains complete file documentation.
• Communicates with insureds or Agents regarding settlement and/or adjustment.
• Directs activity of necessary experts.
• Works directly with department manager to develop and implement new policies and procedures for the department.
• Meets with management as requested to analyze regional and branch performance and make recommendations for changes.
• Assists in training new Employees and property claims specialists in the branches when requested by claims manager.
• Works with regional CAT coordinators to coordinate CAT teams for property losses.

Senior Property Claims Specialist

• Investigate, negotiate and settle complex primary and excess policy casualty claims including negligence, premise liability, commercial automobile, construction bodily injury, construction defect, product liability, and sexual assault
• Investigate and analyze coverage under primary and excess casualty insurance policies; make coverage determinations; draft routine and complex coverage correspondence; effectively communicate coverage positions to policyholders and other stakeholders; manage claims involving coverage litigation
• Manage litigation filed nationwide against insureds; appoint, direct and manage defense counsel; proactively work toward expeditious and economical resolution of claims; assist internal business partners, including claims vendor management, disbursement and legal collections teams with defense counsel, bill payment and collection issues
• Communicate with underwriting as needed to manage claims and to alert of any significant developments
• Promptly communicate with management on adverse case developments and provide information on pertinent issues affecting professional liability product lines
• Proven ability to work in a collaborative team environment
• Analyze and convey summations of complex issues; recognize alternative approaches and develop action plans, both orally and in written form
• Maintain and adhere to internal guidelines and procedures
• Ensure proper adherence to internal reporting requirements
• Contribute and assist in the implementation of a wide range of initiatives, discussion and action plans brought forth by management
• Participate in agent related functions and meetings as required
• Actively participate in the ongoing training and development of the claims examiners

Executive Claims Examiner

• Handle and analyze general liability claims under general supervision
• Ensure ongoing adjudication of claims within company standards and best practices
• Analyze and process property damage claims with proactive handling
• Identify coverage issues and prepare comprehensive coverage letters
• Maintain claim files timely and properly documented

Claims Specialist III, Auto & General Liability

• Manages complex primary and excess financial lines claims under claims‑made policies
• Applies strong technical expertise and sound judgment to evaluate, manage, and resolve claims in accordance with company standards and regulatory requirements
• Plan, recommend, reserve, and execute file strategies including investigation, valuation, disposition, and settlement of assigned claims
• Draft and issue timely reservation of rights letters on all files and independently draft denials for management review
• Properly assesses the exposure of assigned claims
• Establish priorities and communicate the status of assignments
• Maintain current knowledge of claim loss cost management initiatives
• Obtain first-hand customer information and use it for improvements in products and services

Senior Claims Analyst – Healthcare, Lawyers Professional Liability

• Identify and assess coverage issues, draft coverage position letters, and retain coverage counsel, when necessary, as well as review coverage counsel's opinion letters and analysis
• Develop and implement strategy relative to coverage issues which correlate with the overall strategy of matters entrusted to the handler's care
• Develop and implement timely and accurate resolution strategies to ensure mitigation of indemnity and expense exposures
• Maintain contact with any/all associated claims carrier(s)’ claims staff, business line leader, underwriter, defense counsel, program manager, and broker to communicate developments and outcomes as necessary
• Investigate claims and review the insureds' materials, pleadings, and other relevant documents
• Identify and review each jurisdiction's applicable statutes, rules, and case law
• Review litigation materials including depositions and expert's reports
• Analyze and direct risk transfer, additional insured issues, and contractual indemnity issues
• Retain counsel when necessary and direct counsel in accordance with resolution strategy
• Analyze coverage, liability and damages for purposes of assessing and recommending reserves
• Prepare and present written/oral reports to senior management setting forth all issues influencing evaluations and recommending reserves
• Travel to and from locations within the United States to attend mediations, trials, and other proceedings relevant to the resolution of the matter
• Negotiate resolution of claims
• Select and utilize structure brokers
• Maintain a diary of all claims, post reserves in a timely fashion, and expeditiously respond to inquiries from the insured, counsel, underwriters, brokers, and senior management regarding claims

Claims Examiner, General Liability

• Conducting investigations and analyzing and evaluating the information learned
• Making coverage determinations and communicating written position(s) to insureds and other required parties
• Within prescribed authority levels, setting appropriate expense and indemnity reserves and monitoring on a regular basis for any needed adjustment
• Presenting cases to management for expense or indemnity reserve authority above established authority levels
• Developing and implementing resolution strategies to achieve high quality outcomes
• Proactively managing litigation and counsel, inclusive of litigation planning and execution, budgeting and bill review
• Attending trials and mediations as necessary
• Contributing to broader claim and enterprise goals by participating in audits, projects and product development initiatives
• Preparing comprehensive reports and delivering presentations to senior claim leadership on case developments, policy issues, industry trends, etc.
• Providing support to field offices to assist field personnel with coverage and liability analysis, time limit demands, extra contractual exposure evaluations and other issues of complexity
• Work with business partners to evaluate and address claim trends and developments
• Address inquiries from agents and policyholders, providing superior customer service

Personal and Advertising Injury Liability Claims Specialist

• Investigate, analyze, and evaluate Third Party Liability claims
• Determine appropriate valuation and recommend settlement strategies
• Travel for mediations and trial observations
• Collaborate with internal and external teams
• Develop claims and litigation strategies

Senior Claims Specialist

• Manage complex primary and excess financial lines claims under claims-made policies
• Plan, recommend, reserve, and execute file strategies including investigation, valuation, and disposition of assigned claims
• Appropriately escalate matters to Team Lead/management per escalation protocols
• Maintain current knowledge of claim loss cost management initiatives
• Obtain first-hand customer information and utilize it for improvements in products and services
• Utilize verbal and numerical critical thinking skills to gather information and make sound decisions

Senior Claims Analyst – Allied Health Professional Liability

• Investigate, evaluate and settle more complex first and third party insurance claims
• Communicates with all relevant parties and documents communication as well as results of investigation
• Investigates circumstances of routine as well as complex claims to determine if and to what extent coverage applies
• Thoroughly understands coverages, policy terms and conditions for broad insurance areas, products or special contracts
• Evaluates each claim in light of facts, policy considerations and corporate direction
• Pays and/or reserves and/or denies coverage as appropriate

Senior Claims Specialist – G/L

• Investigate and resolve commercial auto liability and physical damage claims related to trucking
• Review policy language to determine coverage and consult with coverage counsel as needed
• Manage a caseload of moderate to high complexity claims, including higher exposure files
• Communicate with insureds, claimants, attorneys, repair facilities, and law enforcement to gather information
• Work with defense counsel and vendors on litigated claims and recovery efforts
• Handle claims in accordance with company guidelines and regulatory requirements
• Participate in file reviews, team meetings, and training

Senior Trucking Liability Claims Adjuster, JD Required

• Investigate, evaluate, negotiate and settle assigned claims
• Collect and analyze data according to policy application and/or contract provisions
• Confirm coverage of claims by reviewing policies and documents
• Analyze coverage and communicates coverage positions
• Draft coverage position letters independently
• Conduct, coordinate, and direct investigation into loss facts and extent of damages
• Evaluate information on coverage, liability, and damages
• Set reserves within authority or make recommendations concerning reserve changes
• Utilize diary system to resolve outstanding issues
• Negotiate and settle claims directly with claimant
• Prepare reports by collecting and summarizing information
• Participate in special projects or assist other team members

Claims Examiner, Inland Marine – Transportation Claims

• Handling a caseload of complex, high exposure, auto and general liability claims throughout the claim’s life cycle
• Conducting investigations and analyzing and evaluating the information learned
• Making coverage determinations and communicating written position(s) to insureds and other required parties
• Setting appropriate expense and indemnity reserves and monitoring on a regular basis for any needed adjustment
• Presenting cases to management for authority above established levels
• Developing and implementing resolution strategies to achieve high quality outcomes
• Proactively managing litigation and counsel, including planning and execution, budgeting and bill review
• Attending trials and mediations as necessary
• Contributing to broader claim and enterprise goals

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