Description

By joining Sedgwick, you'll be part of something truly meaningful. It's what our 33,000 colleagues do every day for people around the world who are facing the unexpected. We invite you to grow your career with us, experience our caring culture, and enjoy work-life balance. Here, there's no limit to what you can achieve.

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General Liability Adjuster

PRIMARY PURPOSE: The Commercial General Liability Claims Adjuster is responsible for the investigation, evaluation, negotiation, and resolution of third‑party bodily injury and property damage claims arising under commercial general liability policies. This role requires strong knowledge of policy interpretation, liability analysis, litigation management, and risk transfer, as well as effective communication with insureds, claimants, attorneys, vendors, and clients.

ESSENTIAL FUNCTIONS and RESPONSIBILITIES

• Investigate and manage commercial general liability claims, including premises liability, slip and falls, product liability, construction‑related losses, and contractual liability claims.
• Analyze policy language, endorsements, exclusions, and limits to determine coverage and draft defensible coverage determinations.
• Conduct thorough liability investigations, including:
  • Reviewing incident reports, contracts, and policies
  • Obtaining and analyzing recorded statements
  • Reviewing medical records, photographs, and expert reports
• Evaluate damages, establish and manage accurate reserves, and assess overall claim exposure.
• Negotiate settlements with claimants and attorneys within assigned authority levels.
• Manage litigated claims, including coordination and direction of defense counsel, review of pleadings and discovery, and participation in settlement strategy discussions.
• Identify and pursue risk transfer opportunities, including tenders to additional insureds, contractual indemnity, and subrogation.
• Maintain timely and professional communication with insureds, clients, brokers, and internal stakeholders.
• Prepare clear, concise file documentation, status reports, and large loss reports in compliance with internal guidelines and regulatory requirements.
• Ensure compliance with state regulations, client service instructions, and quality standards.
• Participate in audits, quality reviews, and continuous improvement initiatives as required.

ADDITIONAL FUNCTIONS and RESPONSIBILITIES

• Performs other duties as assigned.
• Supports the organizations quality program(s).

QUALIFICATIONS

Education & Licensing
High School diploma or GED required.

Experience
Six (6) years of general office experience or equivalent combination of education and experience required. Claims industry experience preferred.

Skills & Knowledge

• Knowledge of professional liability claims
• Ability to review information and ensure accuracy and applicable policy placement
• Oral and written communication skills
• PC literate, including Microsoft Office products
• Attention to detail and accuracy
• Ability to work in a team environment
• Ability to meet or exceed Performance Competencies

WORK ENVIRONMENT
When applicable and appropriate, consideration will be given to reasonable accommodations.

Mental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines

Physical: Computer keyboarding, travel as required

Auditory/Visual: Hearing, vision and talking

The statements contained in this document are intended to describe the general nature and level of work being performed by a colleague assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Management retains the discretion to add or to change the duties of the position at any time.

Sedgwick is an Equal Opportunity Employer and a Drug-Free Workplace.

If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, consider applying for it anyway! Sedgwick is building a diverse, equitable, and inclusive workplace and recognizes that each person possesses a unique combination of skills, knowledge, and experience. You may be just the right candidate for this or other roles.