Insurance Claims Expert

Insurance Claims Expert

Job type: Contract

Location: Remote

This role is for a Claim Specialist and focuses on 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.

Day-to-day

• Interpret and apply commercial property policy language, including building, BPP, stock, conditions, exclusions, and endorsements
• Assess 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
• Work 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

You bring

• Professional experience in commercial property claims, time-element (BI/EE) adjusting, coverage analysis, consulting, forensic accounting, or coverage law
• Strong knowledge of coverage interpretation, especially in commercial property insurance policies
• Able to write clear, structured coverage analyses and claim documentation grounded in policy language
• Strong financial acumen with comfort analyzing financial statements and claim-related do