Claims Specialist General Liability/Pollution Environmental Liability

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.   

This dynamic Claim Specialist role will be part of a team of professionals who support the Harford Global Specialty (HGS) Claims Division. Our ideal candidate will have expertise in: primary and excess claims (including general liability, excess auto liability, products liability, and pollution liability) on integrated general liability/pollution liability policies, contractor pollution liability and site-specific pollution liability policies. We are seeking a motivated, self-starter who would enjoy a fast-paced collaborative work environment! The Claim Specialist will handle a caseload of complex, high-exposure claims on Excess General Liability and Environmental policies from inception to final resolution. This team works closely with our underwriting, actuarial and legal partners to ensure the best possible result for our customers. The claim caseload will involve both primary and excess coverages with complex fact patterns requiring some knowledge of environmental regulations and response actions as well as analysis of contracts between parties to determine liability for risk transfer opportunities.

Key responsibilities of this position include:

• Conduct complex investigations and extensive claim file reviews on assigned cases

• Determine coverage, draft position letters and communicate the coverage position(s) to insureds, business partners and legal counsel

• Operate within prescribed authority levels to set appropriate expense and indemnity reserves

• Regularly monitor indemnity reserves for any required adjustment

• Present cases above authority level to leadership for expense/indemnity reserve and settlement authority

• Develop and implement resolution strategies to achieve high quality outcomes

• Pro-actively manage environmental consultants and/or litigation and counsel throughout the case lifecycle

• Directly oversee the litigation planning, execution, budget and bill review

• Attend trials and mediations as necessary

• Positively contribute to our claim and enterprise goals by participating in ad hoc audits, projects and product development initiatives

• Prepare comprehensive reports and deliver presentations to senior claim leadership on: case developments, policy issues, industry trends, etc.

• Collaborate with valued business partners to review and address claim trends

• Address inquiries from agents and policyholders with a focus on providing superior customer service

Qualifications:

• Bachelor’s Degree is required

• Candidates with a JD license and specialization within environmental or construction case experience are preferred.

• Minimum of 7 years of claims experience with strong preference for candidates who have handled general liability, pollution liability, site pollution, construction or product liability claims or environmental policies.

• Prior experience handling both primary and excess policy coverages/claims

• Working knowledge of environmental, coverage and tort laws

• Strong coverage acumen with the ability to readily apply the terms and conditions found in manuscript policies to the facts of the claim

• Familiarity with state specific environmental and insurance regulatory requirements

• High level of discipline, results-orientation and ability to drive bottom line results

• Superior analytical ability and organizational skills

• Effective interpersonal communication skills in both verbal and written formats

• Proven strategic reasoning and execution skills

• Excellent negotiation and advanced technical claim handling skills

• Full command of issues and medicals relative to high value bodily injury claims

• Strong ability to analyze coverage and liability issues, manage time limit demands and assess extra contractual exposures and other issues of complexity

• Ability to effectively communicate in a highly-matrixed environment

• Readily able to influence and drive successful, collaborative claim outcomes

This role can have a Hybrid or Remote work arrangement.  Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Phoenix, AZ, Naperville, IL) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise.

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

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