Claims Specialist

Primary Role 

The Claims Specialist serves as an independent claims professional and trusted advisor, responsible for the proactive analysis, advocacy, and resolution of complex commercial claims on behalf of HUB International clients across General Liability, Auto, Property, Workers’ Compensation, Professional Liability, Cyber, and other specialty lines. 

The position operates with substantial autonomy and exercises discretion and independent judgment with respect to matters of significance, including coverage interpretation, carrier negotiation, reserve evaluation, settlement strategy, and litigation oversight. The Claims Specialist is available on a 24/7/365 basis to respond to time-sensitive client incidents, catastrophic losses, and emergency coverage matters. 

Essential Duties and Responsibilities 

The following essential duties require the consistent exercise of independent judgment, professional expertise, and decision-making authority that materially affects client risk, financial, and operational outcomes. 

• Coverage Analysis and Interpretation. Independently reviews insurance policies, endorsements, and contractual risk-transfer provisions. Analyzes coverage positions, interprets policy language as applied to specific loss facts, and renders informed coverage opinions and recommendations to clients, producers, and internal leadership. 

• Independent Judgment on Matters of Significance. Exercises discretion and independent judgment in evaluating liability, assessing damages, challenging carrier coverage positions, formulating advocacy strategy, and recommending courses of action that have direct financial and operational impact on the client and the firm. 

• Carrier and Adjuster Advocacy. Negotiates directly with carrier adjusters, claim managers, defense counsel, and third-party administrators to challenge coverage denials, dispute reserves, escalate handling concerns, and drive outcomes consistent with policy intent and client objectives. 

• Complex Claim Portfolio Management. Independently manages an active inventory of commercial claims across multiple lines of coverage, prioritizing matters based on exposure, complexity, and client significance without day-to-day supervisory direction. 

• Client Consultation and Advisory Services. Serves as the primary claims advisor to assigned client accounts. Leads claim review meetings, presents loss-trend and reserve-development analysis, and delivers strategic guidance to risk managers, finance leaders, and executive stakeholders. 

• Litigation Oversight. Monitors litigated claims, coordinates with defense counsel, evaluates legal strategy, participates in mediations and settlement discussions when appropriate, and provides recommendations on settlement authority and exposure. 

• Reserve and Valuation Analysis. Evaluates carrier reserves and total incurred values, identifies over- or under-reserved files, and develops independent valuation opinions to support advocacy and client reporting. 

• 24/7/365 Availability. Responds to after-hours, weekend, and holiday claim emergencies, catastrophic events, large losses, and time-sensitive coverage matters on behalf of clients and producers. 

• Reporting and Documentation. Prepares written coverage analyses, loss summary reports, advocacy memoranda, and executive briefings. Maintains accurate and timely records within the Broker Management System (EPIC). 

• Regulatory and Ethical Compliance. Handles all claim activity in accordance with applicable statutory and regulatory requirements, HUB Broker Standards, and professional ethical obligations. 

• Cross-F