Function / Area: Claims

Reporting to: Claims Manager, Casualty

Position Summary

Under limited technical direction, investigates and effectively handles a broad range of Casualty claims. Works within specific limits of authority on assignments involving significant technical complexity and coordination. Utilising claims policies and guidelines, reviews coverages, determines quantum exposure, secures information and negotiates and settles/defends claims.

Key Responsibilities

With limited supervision, manages a portfolio of UK and International Casualty claims, ranging in complexity and written on both the Syndicate and Company platforms.
Experience in Employers’ Liability, General Liability, Products Liability required, although development support will be provided where necessary.
Experience in Life Science and Clinical Trials would be an advantage.
Interprets more complex or unusual policy coverages, escalating issues as needed.
Coordinates and performs investigations and evaluates claims through contact with insureds, brokers, business partners and experts. Seeks early resolution opportunities.
Partners with solicitors, customers, brokers, experts and insureds to develop a focused strategy for timely and cost effective resolution of more complex claims.
Proactively manages claims, setting early and accurate reserves in line with reserving philosophy, and authorising payments within scope of authority.
Through tight portfolio management, ensures large and significant claims are identified at an early stage and escalated appropriately, in line with internal reporting procedures.
Provides guidance, assistance and mentoring to less experienced claims staff and other function areas.
Utilises negotiation skills to develop complex settlement packages.
Responsible for input and maintenance of claim data that accurately reflects claim financials, circumstances and other information important to our business outcomes.
Identifies claims with third party recovery/fraud potential and coordinates with relevant Stakeholder functions. .
Analyses claims activities. Prepares and presents reports for management. May be responsible for special projects and presentations.
Keeps current on relevant legislation, regulation and issues as well as industry activity and trends.
Complies with all applicable legal and regulatory requirements and ensures, at a level appropriate to the position, that appropriate measures are in place to ensure this compliance.
May perform additional duties as assigned.

Skills, Knowledge & Experience

Significant proven claims handling experience, with a focus on Casualty classes.
Ability to handle claims with a proactive long-term view of business goals and objectives
Thorough understanding of policy language and application of the law relevant to specific class(es) of business
Strong analytical and problem solving skills enabling viable alternate solutions.
Ability to assess the merits of claims including evaluation based on a cost benefit analysis.
Understanding of underwriting risk, disciplines and processes
Strong interpersonal, communication and negotiation skills. Ability to effectively interact at all levels with CNA Hardy's internal and external business partners.
Ability to adapt to change and value diverse opinions and ideas.
Appropriate knowledge of all relevant regulatory and legal requirements applicable to the position.
Previous experience of ECF preferred.

Additional Information

Company Overview

CNA Hardy is a leading specialist commercial insurance provider for clients within the Lloyd’s and company markets. We are part of CNA Financial Corp, the 8th largest U.S. commercial property and casualty insurance company. Established in 1897, CNA has approximately 7,000 employees, serving businesses and professionals in the U.S., Canada, Europe and Asia. We offer a wide range of products and services, providing a superior suite of insurance solutions that any organisation conducting business requires.

Why Choose CNA Hardy?

For us, the customer comes first.

Our winning proposition is our commitment to our customers: We offer more than just a policy – we deliver distinctive insurance solutions and we promise a superior customer service. How we deliver on this commitment is what sets us apart from the competition. Here are just some of the reasons you should choose us:

Our people: We recognise that our staff bring our commitment to our customers to life. Our priority is to be a great place to work so we continue to attract, retain and develop the best talent in the market.
Our product offering: We develop innovative and specialised solutions by product and industry specialism and create certainty for customers through the delivery of underwriting and service excellence. This comprehensive global product offering supported by superior claim and risk control services is hard to replicate.
Our relationships: We believe in building enduring relationships and want to focus our energy on partnering with customers and producers who value our approach and seek the same.
Our track record: Our financial strength underpins our contract with our customers. We receive consistently high ratings from AM Best and Standard and Poor’s proving our ability to deliver on our commitment should the worst happen.

Treating Customers Fairly

We deal with our Customers in a professional, open and honest way at all times
Designing and delivering products that meet their needs;
Ensuring that no claims are unreasonably rejected; and
Aiming to do things right the first time and putting them right if we get them wrong.

CNA Hardy is an equal opportunity employer.

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