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.

Technical Spec General 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, the position is responsible for investigating, evaluating, reserving, negotiating and resolving assigned General Liability 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. Provides consulting and training resources, 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 severe claims. Provides quality customer service and ensures file 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 investigate 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. Completes 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 damages documentation. Maintains claim files and documents claim file activities in accordance with established procedures Utilizes evaluation documentation tools in accordance with department guidelines. Proactively review Claim File Analysis (CFA) for adherence to quality standards and trend analysis. Utilizes diary management system to ensure that all claims are handled timely. At required time intervals, evaluate liability and damages exposure. Establishes and maintains proper indemnity and expense reserves. Recommends appropriate cases for discussion at roundtable. Attends and/or presents 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. Develops and employs creative resolution strategies. Promptly and properly disposition 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 manage both allocated and unallocated loss adjustment expenses. Attends depositions, mediations, arbitrations, pre-trials, trials and all other legal proceedings, as needed. Updates appropriate parties as needed, providing new facts as they become available, and their impact upon the liability analysis and settlement options. Recognizes cases, based on severity/ complexity protocols that should be transferred to another level of claim professional and refers on a timely basis. Appropriately deals with information that is considered personal and confidential. Fulfills specific service commitments made to certain accounts, as outlined in Special Account Communication (SAC) instructions and inquiries from agents and brokers. Represents the company as a technical resource; attends legal proceedings as needed, acts within established professional guidelines as well as applicable state laws. Actively provides mentoring and coaching to less experienced claim professionals to increase the technical expertise and improve bench strength . Shares accountability with business partners to achieve and sustain quality results. Evaluates all claims for recovery potential; directly handles recovery efforts and/or engage and directs Company resources for recovery efforts. Other duties as assigned.

Education, Work Experience & Knowledge
Bachelor's Degree preferred or 2 years of work and/or customer service related experience preferred.

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

Equal Employment Opportunity Statement
Travelers is an equal opportunity employer.
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