Claim Counsel EPLProfessional Liability
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Job Summary
Our Story
Imagine being part of a team thats not just shaping the future but actively driving it. At Davies North America were 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 a candidate that will be responsible for managing and resolving high-severity complex insurance claims with a strong emphasis on coverage analysis policy interpretation and strategic claim resolution. The position focuses primarily on Employment Practices Liability (EPL) and Professional Liability claims with additional exposure to Businessowners Policy (BOP) and General Liability (GL) claims within program structures.
This role serves as a key subject matter expert for coverage issues advising internal teams and carriers on complex liability matters and ensuring claims are handled in accordance with applicable laws regulations and company guidelines.
This role is well-suited for either an attorney with insurance coverage experience or a senior complex claims professional with deep expertise in EPL Professional Liability and related coverage lines.
Key Responsibilities
Coverage Analysis
- Review and interpret EPL Professional Liability (E&O) BOP and GL policies endorsements and applicable statutes.
- Analyze coverage issues including wrongful termination discrimination harassment wage and hour exposures professional negligence and bodily injury/property damage triggers under GL.
- Draft and issue coverage position letters including reservations of rights and denial letters ensuring clarity and compliance with legal and regulatory standards.
- Evaluate and provide input on coverage forms and policy language as needed by carriers.
Claims Investigation & Strategy
- Oversee and conduct complex claims investigations involving employment-related allegations professional services exposures and occasional GL-related losses.
- Analyze liability and damages in matters involving back pay front pay emotional distress punitive damages and economic loss.
- Develop and implement strategic approaches for claim resolution including oversight of litigation when necessary.
- Provide carriers with independent evaluations of claims based on investigation experience and input from outside experts and counsel
Negotiation & Settlement
- Evaluate exposure and make settlement recommendations including setting and managing reserves within carrier guidelines.
- Negotiate settlements within authority limits balancing legal risk financial exposure and business objectives.
- Participate in mediations and settlement conferences as required.
Regulatory Compliance & Documentation
- Ensure all claims handling complies with Department of Insurance regulations and internal protocols.
- Maintain accurate and thorough documentation in the claims management system including coverage analyses and strategic recommendations.
Collaboration & Communication
- Serve as a trusted advisor to internal teams and carriers on EPL Professional Liability and GL-related coverage issues.
- Act as the primary coverage and strategy resource in interactions with external counsel policyholders and other stakeholders.
Skills knowledge & expertise
Required (one of the following):
- Juris Doctor (JD) with active bar membership in good standing or
- 710 years of senior-level experience handling EPL Professional Liability GL or similar complex liability claims.
Also required:
- Active adjuster licenses and willingness to obtain and maintain additional licenses as needed.
- Demonstrated expertise in insurance coverage analysis and policy interpretation.
- Experience issuing or advising on coverage positions including RORs and denials.
- Strong understanding of liability damages and litigation strategy.
- Experience managing high-frequency EPL programs and familiarity with panel counsel management and billing guidelines in EPL matters.
- Exceptional analytical negotiation and communication skills.
- Ability to manage multiple high-severity complex claims independently.
- Proficiency with claims management systems and related tools.
Preferred:
- Background in EPL Professional Liability or mixed program business including BOP/GL exposure.
- Experience working closely with coverage counsel or in-house legal teams.
- Prior involvement in program business or specialty lines environments.
Equal Employment Opportunity & Legal Notices
Benefits
At Davies North America we are dedicated to supporting the wellbeing and future of our qualifying employees. Our comprehensive benefits package includes:
- Medical dental and vision plans to support your health and that of your family
- A 401(k) plan with employer matching
- Timeoff policies including Discretionary Time Off (DTO) for exempt employees and Paid Time Off (PTO) for nonexempt employees
- Paid holidays
- Life insurance and shortterm and longterm disability coverage
Benefit offerings eligibility and required employer contributions may vary based on role classification and applicable federal state and local laws including those tied to an employees primary work location.
Where required by law the Company provides paid sick leave paid family and parental leave and other mandated benefits in accordance with applicable state and local requirements.
Diversity and Inclusion
Davies is dedicated to fostering a diverse and inclusive workplace that embraces a wide range of perspectives and experiences. We believe that diversity of thought is essential for innovation and creativity and we actively promote an environment where all voices are valued and heard.
Compensation Transparency:
The salary range listed reflects the full compensation band for this role across all locations. Actual compensation will be based on factors such as skills experience qualifications and geographic location which may impact the final offer. We share ranges to remain transparent and consistent with pay equity practices.
Background Check & Fair Chance Compliance
Compensation Transparency:
The salary range listed reflects the full compensation band for this role across all locations. Actual compensation will be based on factors such as skills experience qualifications and geographic location which may impact the final offer. We share ranges to remain transparent and consistent with pay equity practices.
Background Check & Fair Chance Compliance
Any background check or review of criminal history if applicable to the role will be conducted only after a conditional offer of employment and in compliance with applicable federal state and local laws including fairchance hiring requirements.
Massachusetts Notice
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Massachusetts Notice
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Required Experience:
Unclear Seniority
