About the Opportunity

Our client, a well-established insurance organization, is seeking an experienced Senior Claims Risk Analyst to join their growing team. This is a highly specialized role focused on complex coverage analysis, risk evaluation, and claim strategy.

This position is ideal for a seasoned claims professional or attorney with extensive experience interpreting insurance policies, drafting Reservation of Rights (ROR) letters, handling tender requests, and providing detailed coverage analyses. The individual will serve as a trusted technical resource, partnering closely with claims leadership and defense counsel on high-exposure matters.

Responsibilities

• Analyze complex insurance policies and provide comprehensive coverage opinions.
• Draft Reservation of Rights (ROR), Disclaimer, and Coverage Position letters.
• Review and evaluate tenders of defense and indemnity.
• Perform detailed coverage analyses involving primary, excess, umbrella, and specialty insurance policies.
• Identify and evaluate potential coverage issues, exclusions, endorsements, and policy triggers.
• Provide strategic recommendations regarding liability exposure and claim resolution.
• Collaborate with claims professionals, underwriting, legal counsel, and management on complex claims.
• Assist in litigation strategy and monitor high-exposure claims involving complex legal and coverage issues.
• Research emerging case law and regulatory developments impacting claim handling and coverage interpretation.
• Serve as a technical resource and mentor to claims staff regarding coverage interpretation and best practices.
• Participate in large-loss reviews, claim audits, and risk management initiatives.

Qualifications

• Bachelor's degree required; Juris Doctor (JD) strongly preferred.
• 10+ years of insurance claims, coverage, or insurance defense experience.
• Extensive experience drafting:
  • Reservation of Rights (ROR) letters
  • Disclaimer letters
  • Coverage position letters
  • Tender responses
• Advanced knowledge of Commercial General Liability (CGL)
• Strong understanding of policy interpretation and insurance contract law.
• Experience analyzing complex multi-party liability claims.
• Exceptional legal writing and analytical skills.
• Excellent verbal communication and ability to explain complex coverage issues to both legal and non-legal audiences.
• Proven ability to manage multiple high-priority matters simultaneously.

Salary/Benefits: