Job Description

P&C Senior Claims Advocate

Job Summary

Seeking a highly skilled and experienced P&C Senior Claims Advocate to join a Property & Casualty division. This role is pivotal in providing expert guidance and advocacy to clients throughout the claims lifecycle. As a trusted advisor, you will manage complex, high-impact, and sensitive claims, ensuring exceptional service, proactive communication, and effective resolution. You will also play a key role in strengthening client relationships, supporting retention, and contributing to the continuous improvement of the claims function.

Compensation Package

• Competitive salary commensurate with experience.
• Comprehensive benefits package, including health, dental, and vision insurance.
• Paid time off and holidays.
• Professional development opportunities, including support for industry certifications.

Responsibilities

Complex Claims Management & Client Advocacy

• Manage and resolve complex, high-exposure, disputed, and sensitive claims.
• Serve as a strategic advocate for clients, ensuring their interests are represented throughout the claims process.
• Evaluate coverage issues, claim denials, settlement disputes, and delays, and develop strategies for favorable outcomes.
• Collaborate with clients, adjusters, carrier representatives, and legal counsel to facilitate timely and equitable claim resolutions.

Escalation Authority & Issue Resolution

• Act as the primary escalation resource for complex or unresolved claims issues.
• Initiate and facilitate escalations to carrier claims leadership and other decision-makers when necessary.
• Provide recommendations and guidance to account managers and colleagues regarding claims concerns and resolution strategies.

Strategic Client Relationship Management

• Build and maintain trusted relationships with key clients and decision-makers.
• Participate in strategic client meetings, stewardship reviews, and renewal discussions.
• Communicate claims trends, significant loss developments, and potential coverage or risk management concerns to clients and internal stakeholders.

Technical Expertise & Risk Management

• Maintain advanced knowledge of property and casualty insurance coverages, policy language, claims practices, and industry developments.
• Analyze claims data and trends to identify potential coverage gaps and risk management opportunities.
• Provide strategic recommendations to clients regarding loss prevention and claims management practices.

Operational Excellence & Accountability

• Maintain comprehensive and accurate documentation of claims activities and outcomes.
• Monitor significant and complex claims to ensure appropriate progress and timely resolution.
• Identify opportunities to improve claims workflows, reporting, and service delivery.

Qualifications/Requirements

Required Qualifications

• Minimum of 5 years of progressive experience in claims management, claims advocacy, or complex claims handling.
• Extensive knowledge of property and casualty insurance coverages, policy provisions, and claims practices.
• Proven ability to manage complex, high-exposure, and sensitive claims.
• Strong negotiation, analytical, communication, and strategic problem-solving skills.
• Demonstrated ability to exercise independent judgment and make sound decisions in complex situations.
• Experience building and maintaining strategic client and carrier relationships.

Preferred Qualifications

• Property and Casualty insurance license.
• Advanced professional designations such as AIC, CPCU, ARM, or CIC.
• Experience in an independent insurance agency or brokerage environment.
• Experience with executive-level client reporting, claims reviews, and stewardship presentations.

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