Senior Claims Specialist, PFR

• Genuine care for staff, strong staff retention and tenure.
• Deep respect for diversity of opinion.
• Flat structure, Open door policy, access to senior leaders and technical experts.
• Our managers coach, lead and develop.
• Integrated Business Unit Methodology – sharing of best practice, knowledge and teamwork. 
• Local Claims handling and Underwriting authority allows us to manage all our client’s insurance needs.
• Our culture is based on integrity, technical expertise, discipline, and consistency.

• Our underwriting methodologies and claims technical expertise.
• NIBA General Insurer of the Year 2021 and NIBA Specialty Insurer of the Year 2022 and 2023.
• Broad local Claims and Underwriting authority.
• Stable proven leadership.
• Our Market Approach is built on capability, consistency and personal rapport.
• Ongoing training and development – transparent path for development.
• Market leading products.
• Our product development team, working with Claims and Underwriting, ensures we are quick to close gaps and bring new products to markets.
• Autonomous, performance orientated culture.
• Global organization - Opportunities for secondments.
• Profitable year on year since inception.
• We are a mutual.
• Competitive salary and benefits.
• Career development opportunities.
• Team-work culture.

• Interpreting policy coverage and determining if coverage applies to claims submitted.
• Managing and adjusting all incoming insurance claims for relevant business line, delegating administrative/ processing tasks to the offshore shared services team where appropriate.
• Establishing and setting reserves for indemnity and defence costs, reviewing reserves on a regular basis to ensure adequacy.
• Authorising payments in accordance with internal processes and within scope of authority, settling claims as expeditiously and economically as possible.
• Ensuring that internal and external stakeholders and Liberty clients consistently receive a high level of claims service that differentiates Liberty from its competitors.
• Providing instructions to external service providers with respect to coverage, investigation and ultimate settlement of claims.
• Identifying opportunities and liaising with the Recovery team to ensure all avenues of recovery are pursued. Preparing files for suit, trial or subrogation where necessary.
• Participating directly in mediation/ arbitration meetings and actively participating in settlement discussions.
• Providing information to management on the existence or development of critical losses and advising relevant trends within the portfolio.
• Working closely with other business lines in raising the Liberty profile and assisting in account retention and new business opportunities.
• Managing the overall quality and performance of external service providers.
• Consistently implementing, maintaining and monitoring departmental standards and procedures.
• Working closely with the underwriting and risk engineering departments to promote Liberty’s “integrated business unit approach” and ensure seamless delivery of underwriting and claims management services.
• In conjunction with underwriting, reviewing policy terms and conditions including assisting with the production of manuscript policy wordings and endorsements.
• Participating in claims audits when required.
• Identifying suspicious or potentially fraudulent claims, arranging investigation and briefing senior managers if further action is recommended.

• Significant previous claims management experience in Financial Lines or Legal industry essential
• Tertiary qualifications in law or related discipline 
• Sound knowledge of the Insurance Contracts Act and demonstrated ability to understand and apply legal principles to the management of claims.
• Claims management experience in Construction PI
• Ability to manage technical, high-value, and often sensitive claims
• Client-facing and broker-facing experience
• Strong legal and policy interpretation skills
• A commercial mindset and good judgment
• Strong communication and negotiation skills

Privacy & Third Party Application Management

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