Claims Specialist

JOB DESCRIPTION

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Individual contributor responsible for the overall management of highly complex Commercial General Liability (CGL) claims. Recognized as a technical expert in the interpretation of complex or unusual policy coverages within the CGL line. Under general management direction, works within assigned limits of broad authority on assignments requiring a high degree of technical complexity, judgment, and coordination. May have regional, industry segment, or company-wide scope of responsibility within area of specialty.

Essential Duties & Responsibilities
• Performs a combination of duties in accordance with departmental guidelines.
• Manages highly complex Commercial General Liability claim investigations, including coverage issues, liability, compensability, and damages. Determines when claims should be settled or litigated and implements appropriate resolution strategies. Effectively manages loss costs and claim expenses.
• Manages all aspects of investigative activity or litigation on major Commercial General Liability claims, including timely and appropriate reserving. Coordinates discovery and litigation strategy with staff counsel and panel attorneys.
• Negotiates high‑exposure and complex Commercial General Liability settlements, authorizing payment within scope of authority and ensuring cost‑effective resolution and timely disbursements.
• Coordinates third‑party recovery with subrogation/salvage unit as applicable.
• Provides recommendations to management regarding complex Commercial General Liability claim strategies, processes, and resolution approaches.
• Analyzes claims activity; prepares and presents complex Commercial General Liability claim reports to management, internal business partners, and clients.
• Works closely with attorneys, account representatives, agents, medical providers, and insureds regarding the handling and disposition of complex liability claims.
• Maintains current knowledge of provincial/federal regulations, industry trends, and emerging risks impacting Commercial General Liability claims.
• Provides guidance and technical direction to less experienced claims staff and supports other functional areas as needed.
• Ensures accurate and timely data entry reflecting claim circumstances and information critical to business outcomes.

Skills, Knowledge and Abilities
• Advanced technical expertise in Commercial General Liability claims, including complex coverage analysis and high‑exposure claim resolution.
• Strong knowledge of insurance and claims principles, practices, and procedures, applied in complex and ambiguous liability scenarios.
• Advanced analytical and problem‑solving skills, including the ability to evaluate claims using cost‑benefit and exposure analysis.
• Demonstrated ability to fully comprehend complex claim facts and effectively articulate claim strategy and analysis verbally and in writing to management and business partners.
• Strong communication, negotiation, and presentation skills with the ability to interact effectively with internal and external stakeholders at all levels.
• Ability to manage ambiguity, exercise sound judgment, and resolve unique and challenging Commercial General Liability claims issues.
• Proven ability to manage and prioritize multiple complex files and competing projects.
• Proficiency with Microsoft Office Suite and other business‑related software.
• Ability to adapt to change and value diverse opinions and ideas.
• Ability to implement proactive claim strategies aligned with long‑term business goals and objectives.

Education and Experience
• Bachelor’s degree or equivalent experience; professional designation preferred.
• Typically a minimum of eight years of claims experience, with significant exposure to complex Commercial General Liability claims.

Our Total Rewards philosophy reflects our commitment to building a high-performing, inclusive culture where every team member is empowered to grow, contribute, and thrive. We value the unique strengths and perspectives each individual brings to our business, our clients, and our communities. The base salary range for this position is $110,000 to $135,000, complemented by a comprehensive and competitive benefits package to help our employees – and their family members – achieve their physical, financial, emotional, and social wellbeing goals. Base salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location. Please note that this posting is for an existing vacancy.

At CNA, we are committed to providing equal employment opportunities to all employees and applicants. It is our policy to provide equal employment opportunities to employees and applicants based on job-related qualifications and ability to perform a job. If you require an accommodation during the hiring process or upon hire, please inform Human Resources. If a selected applicant requests accommodation during the recruitment process, CNA will consult with the applicant in order to provide suitable accommodation that takes into account the applicant’s accessibility needs.