About Travelers

The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company's diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. A component of the Dow Jones Industrial Average, Travelers has more than 30,000 employees and generated revenues of approximately $25 billion in 2010.

Sr. Tech Spec Auto Liab

Company Information
Solid reputation, passionate people and endless opportunities. That's Travelers. Our superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees. You will find Travelers to be full of energy and a workplace in which you truly can make a difference.

Job Summary
Under general supervision, this position is responsible for investigating, evaluating, reserving, negotiating, and resolving, assigned Auto and Homeowner related Bodily Injury and Property Damage claims. Provides quality claim handling throughout the claim life cycle (customer contacts, coverage, investigation, evaluation, reserving, litigation management, negotiation and resolution) including maintaining full compliance with internal and external quality standards and state specific regulations. May be a consultant and training resource, and serves as a contact and technical resource to the field and our business partners. This job does not manage staff.

Primary Job Duties & Responsibilities
Directly handles assigned severity claims. Provides quality customer service and ensures quality and timely coverage analysis and communication with insured based on application of policy information to facts or allegations of each case. Consults with Manager on use of Claim Coverage Counsel as needed. Directly investigates each claim through prompt and strategically-appropriate contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts to determine the extent of liability, damages, and contribution potential. Interview witnesses and stakeholders; take necessary statements, as strategically appropriate. Complete outside investigation as needed per case specifics. Actively engages in the identification, selection and direction of appropriate internal and/or external resources for specific activities required to effectively evaluate claims, such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators, and other experts. Verifies the nature and extent of injury or property damage by obtaining and reviewing appropriate records and damage documentation. Maintains claim files and documents claim file activities in accordance with established procedures. Utilizes evaluation documentation tools in accordance with department guidelines. Utilizes diary management system to ensure that all claims are handled timely. Establishes and maintains proper indemnity and expense reserves. Recommends appropriate cases for discussion at roundtable. Attends and/or present at roundtables/ authority discussions for collaboration of technical expertise resulting in improved payout on indemnity and expense. Actively and enthusiastically shares experience and knowledge of creative resolution techniques to improve the claim results of others. Applies the Company's claim quality management protocols and Best Practices to all claims; documents the rationale for any departure from applicable protocols with or without assistance. Develops and employ creative resolution strategies. Responsible for prompt and proper disposition of all claims within delegated authority. Negotiates disposition of claims with insureds and claimants or their legal representatives. Recognizes and implements alternate means of resolution. Manages litigated claims. Develops litigation plan with staff or panel counsel, including discovery and legal expenses, to assure effective resolution and to satisfy customers. Applies litigation management through the selection of counsel, evaluation and direction of claim and litigation strategy. Tracks and controls legal expenses to assure cost-effective resolution. Effectively and efficiently manages both allocated and unallocated loss adjustment expenses. Attends depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed.

Minimum Qualifications
High School Degree or GED required with a minimum of 3 years bodily injury litigation claim handling experience.
Experience utilizing computer technology, such as Microsoft Office, e-mail, Web-enabled applications, and database software. In order to perform the essential job functions of this job, acquisition and maintenance of Insurance License(s) may be required to comply with state and Travelers requirements. Generally, license(s) are required to be obtained within three months of starting the job.

Education, Work Experience & Knowledge
Bachelor's Degree preferred. 5 years equivalent business experience preferred. Advanced level knowledge and skill in claim and litigation. Basic working level knowledge and skill in various business line products. Strong negotiation and customer service skills. Skilled in coverage, liability and damages analysis and has a thorough understanding of the litigation process, relevant case and statutory law and expert litigation management skills. Extensive claim and/or legal experience and technical expertise to evaluate severe and complex claims. Able to make independent decisions on most assigned cases without involvement of supervisor. Openness to the ideas and expertise of others actively solicits input and shares ideas. Thorough understanding of commercial lines products, policy language, exclusions, ISO forms, and effective claims handling practices Demonstrated coaching, influence and persuasion skills. Advanced written and verbal communication skills are required so as to understand, synthesize, interpret and convey, in a simplified manner, complex data and information to audiences with varying levels of expertise. Can adapt to and support cultural change. Strong technology aptitude; ability to use business technology tools to effectively research, track, and communicate information.

Job Specific & Technical Skills & Competencies
Analytical Thinking - Intermediate Judgment/Decision Making - Intermediate Communication - Intermediate Negotiation - Intermediate Insurance Contract Knowledge - Advanced Principles of Investigation - Advance Value Determination - Intermediate Settlement Techniques - Intermediate Legal Knowledge - Intermediate Medical Knowledge - Intermediate

Physical Requirements
Operates standard office equipment - Continuously Sitting (can stand at will) - Continuously Standing - Frequently Use of Keyboards, Sporadic 10-Key - Continuously Other (List additional requirements as necessary) Incumbents who fill this position will be subject to periodic post-hire criminal background checks while employed in this position. As a condition of acceptance for the position, selected candidates for this position will be required to electronically accept the Fair Credit Reporting Act (FCRA) Disclosure Statement and Authorization included in the online employment application. You may also be subsequently asked to accept similar FCRA authorizations periodically throughout your employment with the Company.

Equal Employment Opportunity Statement
Travelers is an equal opportunity employer.
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