Senior Complex Claim Representative - General Liability

Our Story Imagine being part of a team that’s not just shaping the future but actively driving it. At Davies North America , we’re at the forefront of innovation and excellence, blending cutting-edge technology with top-tier professional services. As a vital part of the global Davies Group, we help businesses navigate risk, optimize operations, and spearhead transformation in the insurance and regulated sectors.

Davies North America is looking for someone who will be responsible for managing and resolving moderate to high-severity General Liability claims with a strong emphasis on coverage analysis, investigation, and strategic claim resolution. The position focuses on program-based business including non-trucking liability, habitational risks, and pet care operations (including dog walkers, pet sitters, groomers, and related services). Many of these programs involve diverse liability exposures requiring a well-rounded understanding of bodily injury, property damage, and premises-based claims.

This role requires an experienced claims professional who can independently manage a varied GL caseload while providing clear coverage analysis and driving efficient, defensible outcomes. Coverage Analysis Review and interpret Commercial General Liability (CGL), non-trucking liability, and related policies, including endorsements. Analyze coverage issues involving bodily injury, property damage, personal and advertising injury, and premises liability.

Evaluate exposure across different program types, including off-dispatch vehicle use, habitational premises risks, and pet care-related activities. Draft and issue coverage position letters, including reservations of rights and denials, as appropriate. Claims Investigation and Strategy Investigate and manage claims involving slip and fall incidents, premises liability, habitational exposures, transportation-related liability, and animal-related incidents (including dog bites and property damage).

Coordinate with insureds, claimants, witnesses, experts, and counsel to evaluate liability, causation, and damages. Analyze and document exposures including medical specials, general damages, property damage, and liability risk. Develop and implement claim strategies to achieve timely and cost-effective resolution.

Negotiation and Settlement Evaluate exposure and recommend reserves based on liability and damages analysis. Negotiate settlements within authority, balancing legal exposure, financial considerations, and client objectives. Participate in mediations, settlement discussions, and litigation management as needed.

Requirements

and internal claim handling standards. Maintain accurate and timely documentation of coverage analysis, claim activity, and strategic decisions within the claims management system. Collaboration and Communication Serve as a key point of contact for clients, insureds, brokers, and defense counsel.

Provide clear, concise reporting on claim status, coverage, exposure, and resolution strategies. Collaborate with internal teams and program managers to identify trends and support program performance. Required: 7–10+ years of experience handling General Liability claims.

Active adjuster licenses and willingness to obtain and maintain additional licenses, as needed. Strong experience handling bodily injury and property damage claims, including premises liability. Demonstrated ability to manage a variety of claim types across multiple programs.

Experience issuing or contributing to coverage positions, including reservations of rights. Strong analytical, negotiation, and communication skills. Ability to independently manage a full caseload of claims from inception through resolution.

Preferred: Experience handling non-trucking liability, commercial auto-related liability, or transportation exposures.