Coverage Counsel - Liability
On-siteBoston, Massachusetts, United States or Washington, District of Columbia, United States
Job Summary
Provide legal guidance and strategic counsel on complex coverage matters arising from commercial liability claims. Review and interpret insurance policies, endorsements, applications, and underwriting materials to assess coverage obligations. Prepare and review reservation of rights letters, coverage position letters, and other correspondence. Advise claims professionals on coverage strategy, claim handling, litigation exposure, and settlement considerations. Manage outside coverage counsel, including oversight of legal strategy, budgets, and performance. Participate in mediations, settlement conferences, and dispute-resolution proceedings. Partner with claims leadership, underwriting, and product teams to address high-exposure matters and emerging coverage issues. Monitor legal and industry developments affecting commercial liability coverage. Reports to the Chief Claims Officer. Full benefit package including medical, dental, life, vision, 401(k), and tuition assistance.
Required Qualifications
- Juris Doctor (JD) required from an accredited law school
- Active license and good standing with at least one U.S. state bar
- Minimum of 7–10 years of relevant legal experience involving insurance coverage, complex liability claims, or coverage litigation
- Substantial experience analyzing Commercial General Liability and Excess/Umbrella Liability policies
- Experience with additional commercial liability coverages, such as Commercial Auto Liability, Professional Liability, Errors and Omissions, or other specialty casualty products
- Prior litigation experience with an outside law firm is required
- Firsthand experience developing case strategy, managing discovery and motion practice, participating in depositions and mediations, and negotiating resolutions
- Strong knowledge of insurance policy interpretation, coverage litigation, claims-handling practices, and applicable legal and regulatory requirements
- Demonstrated experience drafting coverage opinions, reservation of rights letters, coverage position letters, and related legal correspondence
- Experience managing outside counsel and overseeing complex or high-exposure litigation
- Ability to evaluate complicated factual and legal issues, identify material risks, and provide practical, business-oriented recommendations
- Excellent written and verbal communication skills, with the ability to explain complex legal concepts clearly and concisely
- Strong organizational skills and the ability to manage multiple complex matters in a deadline-driven environment
Desired Qualifications
- Prior litigation experience with an outside law firm, preferably involving complex insurance coverage or commercial liability matters
- Firsthand experience developing case strategy, managing discovery and motion practice, participating in depositions and mediations, and negotiating resolutions
- Prior in-house experience with an insurance carrier, managing general agent, third-party administrator, or other insurance organization
- Experience supporting claims involving multiple jurisdictions, policy years, coverage layers, or insurers
- Familiarity with New York Labor Law claims, construction defect, bodily injury, property damage, professional liability, and other complex casualty exposures
- Experience advising underwriting or product teams regarding policy language, endorsements, and coverage-related product development
- Background handling declaratory judgment actions, allocation disputes, contribution matters, and disputes between primary and excess carriers
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