Insurance Claim Specialist

Job Title: Claim Specialist

Job Type: Contract

Location: Remote

Job Summary: Join our team as a Claim Specialist and play a pivotal role in evaluating and resolving complex commercial property claims. You'll leverage your strong analytical, communication, and documentation skills to interpret policy language, assess financial losses, and deliver clear, defensible coverage analyses. This is a unique opportunity to collaborate with industry experts, shape best practices, and make a tangible impact within a dynamic remote environment.

Key Responsibilities

• Interpret and apply commercial property policy language, including building, BPP, stock, conditions, exclusions, and endorsements.
• Analyze time-element coverages such as Business Interruption, Extra Expense, civil authority, ingress/egress, dependent property, and service interruption.
• Evaluate claims using comprehensive financial-loss methodologies, considering trends, continuing vs. saved expenses, sublimits, deductibles, and offsets.
• Draft and refine claim scenarios and grading rubrics with precise, defensible coverage reasoning grounded in actual policy text.
• Prepare thorough claim documentation, loss measurements, and professional reports to ensure clarity and compliance.
• Collaborate closely with prompt engineering and evaluation teams to enhance model performance, accuracy, and consistency.
• Maintain up-to-date knowledge of industry practices, regulatory requirements, and policy wordings relevant to commercial property claims.

Required Skills and Qualifications

• Professional experience in commercial property claims, time-element (BI/EE) adjusting, coverage analysis, consulting, forensic accounting, or coverage law.
• Advanced knowledge of coverage interpretation, especially in commercial property insurance policies.
• Proven ability to write clear, structured coverage analyses and claim documentation grounded in policy language.
• Strong financial acumen with comfort analyzing financial statements and claim-related documentation.
• Exceptional written and verbal communication skills, with a keen attention to clarity and detail.
• Demonstrated ability to work independently in a remote environment while collaborating with cross-functional teams.
• Skilled in balancing multiple priorities and managing complex claim scenarios effectively.

Preferred Qualifications

• Relevant professional certifications (e.g., CPCU, AIC, CPA, or equivalent).
• Experience working directly with BI/EE, dependent property, or service interruption claims.
• Background in developing or evaluating claim scenarios or training materials for coverage analyses.