Senior Coverage Attorney

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Posted Sep 18, 2026

Remote · Ohio Full Time

Est. $135K – $185K/yr

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Overview

This role is a Senior Coverage Attorney position (business title: Senior Claims Coverage & General Counselor) supporting the Claims organization as a senior legal and technical resource for insurance coverage, claim handling practices, coverage litigation, regulatory matters, extra-contractual exposure, legal process support, and emerging legal issues.

The position is available as a remote, home-based role or hybrid based from the Columbus, Ohio office. Remote candidates must reside in one of the approved payroll states listed below.

The organization can only employ associates who reside and work within specific U.S. states. Current payroll states include:

Connecticut
Delaware
Florida
Georgia
Illinois
Indiana
Iowa
Kansas
Kentucky
Maryland
Massachusetts
Michigan
Minnesota
Missouri
Nebraska
New Hampshire
New Jersey
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
West Virginia
Wisconsin

Responsibilities

Provide timely legal and technical guidance on complex commercial and personal lines coverage matters, balancing applicable law, fair claim handling, and business considerations.
Analyze policy language, endorsements, exclusions, claim facts, and applicable law; guide coverage investigations; prepare coverage opinions and related legal analyses; and review coverage communications.
Advise Claims leadership on dispute-resolution approaches, extra-contractual exposure, bad-faith allegations, claim handling concerns, and other legal risks affecting claim outcomes.
Serve as Claims’ senior technical resource for significant coverage litigation and declaratory judgment actions.
Partner with Claims leadership, Legal, and outside counsel to develop and execute litigation and resolution strategies, including pleadings, discovery, mediation, settlement, budgets, and trial preparation.
Evaluate outside counsel performance and legal expense to improve outcomes, reduce duplication, and manage allocated loss adjustment expense.
Guide Claims responses to Department of Insurance complaints, regulatory inquiries, coverage disputes, market conduct examinations, and other regulatory reviews involving Claims operations.
Support responses to subpoenas, records and discovery requests, and other legal process involving claim files; coordinate with Legal on matters requiring enterprise advice, company representation, privilege oversight, or Legal Department ownership.
Monitor regulatory developments and claim handling requirements, and develop guidance and training to promote compliance and consistent practices.
Promote consistent, technically sound coverage positions and claim handling practices across all lines of business.
Participate in roundtables addressing complex coverage, exposure evaluation, litigation strategy, reserving, settlement authority, and claim handling issues.
Assist in the development and maintenance of claim handling best practices, technical standards, coverage guidance, templates, and playbooks.
Identify recurring coverage issues, legal and regulatory developments, and claim trends requiring guidance, training, escalation, or operational change.
Support quality assurance and file reviews focused on coverage analysis, judgment, documentation, and decision-making, and serve as a trusted advisor to Claims leaders and professionals.
Partner with Claims leadership to identify technical development needs and incorporate lessons from coverage matters, litigation, complaints, and regulatory reviews into training.
Develop and deliver technical training, coverage resources, and learning tools; mentor claims professionals and leaders to strengthen expertise and judgment in coverage analysis, claim handling, regulatory requirements, extra-contractual risk, and emerging legal issues.
Monitor judicial, regulatory, legislative, and industry developments affecting insurance coverage and claim handling, and advise Claims leadership on legal, operational, and risk management implications.
Partner with Legal on matters requiring coordination, escalation, enterprise legal guidance, or broader risk management consideration.
Partner with Underwriting and Legal to share claim-based insights and emerging loss trends; evaluate proposed policy language, endorsements, and coverage provisions; and recommend appropriate product or policy modifications.
Support Claims initiatives involving new tools, processes, or workflows where coverage interpretation, legal risk, regulatory requirements, or claim handling standards are implicated.
Handle appropriate coverage opinions, legal research, correspondence, and claim-related consultation internally to reduce reliance on outside coverage counsel.
Establish referral criteria for outside coverage counsel and Legal Department involvement, and maintain effective relationships with legal service providers.
Evaluate law firm performance, staffing, strategy, budgets, results, and legal spend to improve outcomes, reduce duplication, and manage allocated loss adjustment expense.
Partner with Claims leadership and Reinsurance stakeholders on significant losses, coverage issues, treaty interpretation, reporting obligations, recoverability considerations, and matters affecting reinsurer relationships.

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Additional Responsibilities

Attend mediations, arbitrations, depositions, trials, regulatory meetings, and other proceedings as appropriate.
Represent Claims on cross-functional committees, projects, and strategic initiatives.
Participate in industry conferences, professional organizations, and continuing legal education activities.
Perform other duties as assigned.

Requirements

Juris Doctor degree from an accredited law school is required.
Active license to practice law in at least one U.S. jurisdiction and in good standing is required.
Minimum of 10 years of experience involving insurance coverage analysis, insurance litigation, claim-related legal support, or comparable property and casualty insurance experience is required.
Extensive knowledge of commercial and personal lines insurance coverage, policy interpretation, and claim handling practices is required.
Demonstrated experience preparing coverage opinions, reservation of rights letters, denial letters, and other coverage-related communications is required.
Strong knowledge of coverage litigation, declaratory judgment actions, extra-contractual and bad-faith exposure, and applicable claim handling requirements is required.
Knowledge of insurance regulatory matters, and legal processes including responding to Department of Insurance complaints, market conduct examinations, and subpoenas is required.
Exceptional legal research, analytical, writing, communication, and presentation skills.
Ability to translate complex legal and regulatory issues into clear, practical guidance for claims professionals and business leaders.
Demonstrated ability to influence decisions, exercise sound judgment, and build effective partnerships across organizational levels and functions.
Ability to manage multiple complex matters, prioritize effectively, and provide timely guidance in a fast-paced claims environment.
Ability to handle confidential, sensitive, and potentially privileged matters with appropriate discretion and escalation.

Preferred Qualifications

CPCU, AIC, SCLA, or other relevant insurance industry designations.
Multi-line experience involving commercial auto, general liability, property, workers’ compensation, personal lines, umbrella, professional liability, or specialty coverages.
Experience serving as coverage counsel, claims counsel, claim center general counselor, or in a similar role.
Experience managing outside counsel, coverage litigation, and legal spending.
Experience supporting underwriting or product teams in policy wording, endorsement development, or product review.
Knowledge of reinsurance principles, reporting obligations, treaty interpretation, and recoverability considerations.
Experience developing and delivering technical training for claims professionals and leaders.