Overview
An established insurance organization is seeking an experienced Claims & Coverage Counsel to join their Legal & Compliance team. This role provides specialized legal guidance for the personal lines property and casualty (P&C) business, supporting claims and underwriting teams with coverage decisions, litigation strategy, and product development.
Responsibilities
Litigation Strategy and Advice
- Collaborate with the Claims department on complex, high-exposure claims, offering strategic counsel on reserves, risk mitigation, and litigation strategy.
- Provide real-time legal guidance on time-limit demands, conditional demands, stipulated judgments, and multi-claimant settlements where policy limits are insufficient.
- Participate actively in litigation strategy conferences, mediations, depositions, and trials to protect company interests.
- Conduct legal research and keep stakeholders updated on developments in claims-specific case law.
Coverage Analysis & Opinions
- Draft formal internal legal opinions on complex coverage issues such as duty to defend vs. indemnify, stacking of limits, and application of exclusions.
- Approve or draft Reservation of Rights letters, Denial of Coverage correspondence, rescissions, or void ab initio communications.
- Analyze state-specific claims handling statutes and advise claims staff on compliance to prevent extra-contractual exposure.
- Monitor emerging judicial trends including social inflation, nuclear verdicts, and policy stacking; translate insights into actionable claims protocols and policy language updates.
- Collaborate across teams to draft and revise policy forms, shape product strategies, and develop coverage solutions for emerging risks.
- Mentor colleagues, lead special projects, and share legal knowledge to advance business objectives.
Requirements
- Juris Doctorate (JD) from an ABA-accredited law school.
- Active license to practice law in at least one U.S. jurisdiction.
- Minimum 7 years of experience in P&C insurance law, with significant expertise in personal lines liability litigation (Auto/Home).
- Experience managing multi-state first-party and third-party litigation or providing coverage counsel for a national carrier.
- Specific expertise in defending or advising on extra-contractual exposure.
- Prior litigation defense experience preferred.
- Strong legal judgment with the ability to provide pragmatic and strategic advice.
- Ability to evaluate complex liability and litigation exposures and communicate risks and recommendations clearly to senior leadership.
- Effective collaboration skills across all organizational levels.
- Adaptability in a fast-paced environment with shifting priorities.
- Strong analytical, problem-solving, verbal, and written communication skills.
- Proficiency with Microsoft Office Suite and/or Google Suite.
Compensation & Benefits
Budgeted Salary Range: $155,200 - $184,300 USD
Full Salary Range: $145,500 - $242,500 USD
Actual compensation will be based on experience and qualifications.
Benefits include:
- Remote-first work culture
- Competitive salary and equity
- Comprehensive medical, dental, and vision plans
- Life and disability insurance with voluntary options
- Up to 8 weeks (320 hours) paid parental leave (eligibility requirements apply)
- 401(k) company contribution of 3% of gross income regardless of employee contribution
- $1,500 work-from-home stipend
- $2,000 annual professional development fund
- Monthly $50 wellness allowance
- Paid volunteer service hours
- Employee referral program
Location
This position is open to U.S. citizens, Green Card holders, and individuals authorized to work in the U.S. who currently reside in the United States.
Equal Opportunity
The organization is committed to equal employment opportunity and non-discrimination for all employees and applicants regardless of race, color, sex, gender identity or expression, age, religion, national origin, ancestry, ethnicity, disability, veteran status, genetic information, sexual orientation, marital status, or any other protected characteristic under applicable law. Reasonable accommodations are provided for qualified individuals with disabilities.