Claims Analyst I - Civil Liability

Description

Job Summary: Claims Analyst II to handle Civil Liability insurance claims, conducting technical, legal, and operational analyses while ensuring proper application of insurance coverage. Key Highlights: 1. Strategic involvement in the claims handling process for Civil Liability insurance. 2. Coordination with policyholders, attorneys, and other parties involved in the claim. 3. Opportunity to contribute to loss mitigation and cost control. **Claims Analyst II – Civil Liability** **Position Objective** Handle Civil Liability insurance claims by conducting technical, legal, and operational analyses of cases, ensuring appropriate application of insurance coverage, financial risk mitigation, and compliance with company deadlines and guidelines. **Key Responsibilities** * Analyze and handle claims under Civil Liability (CL) insurance policies (e.g., General CL, Product CL, Professional CL, Directors & Officers (D&O), etc.); * Interpret insurance policies, general conditions, special conditions, and endorsements, ensuring correct application of coverage, exclusions, and limits; * Conduct technical and legal classification of incidents based on civil liability principles (fault, causation, damage); * Coordinate with policyholders, third parties, attorneys, regulators, and other stakeholders involved in the claim; * Evaluate documents, expert reports, and technical opinions, identifying inconsistencies and key points requiring attention; * Monitor judicial and administrative proceedings related to claims, in collaboration with legal firms; * Participate in defense strategies and settlement negotiations, contributing to loss mitigation and cost control; * Manage technical reserves and monitor their evolution according to claim progress; * Ensure compliance with regulatory and internal deadlines; * Support identification of loss trends and opportunities for process improvement; * Contribute to standardization of procedures and best practices within the claims function. **Technical Requirements and Education** * Bachelor’s degree in Law, or currently enrolled in final semesters (mandatory); * Knowledge of Civil Liability fundamentals (objective and subjective liability); * Familiarity with reading and interpreting insurance contracts and policies; * Basic knowledge of judicial proceedings and legal routines; * Preferred: familiarity with Civil Liability insurance (general, professional, D&O, Errors & Omissions (E&O)); * Advantage: courses or certifications in insurance, claims handling, or insurance law. **Professional Experience** * Prior experience in claims handling, preferably in Civil Liability; * Experience in insurance brokerages, insurance companies, law firms, or third-party claims administrators; * Hands-on experience in document analysis, client interaction, and case management; * Preferred: experience monitoring judicial proceedings or collaborating with legal departments. **Behavioral Competencies** * Strong analytical ability and critical thinking (essential for technical and legal classification); * Clear and assertive communication; * Negotiation and conflict management skills, focused on resolution and loss mitigation; * Organizational and prioritization skills, especially when managing multiple simultaneous claims; * Autonomy with accountability, knowing when to escalate decisions; * Risk awareness and balanced decision-making; * Attention to detail without losing sight of the broader context; * Ethical conduct and confidentiality. **Strategic Differentiators** * Experience handling complex claims (e.g., large risks or litigated cases); * Knowledge of analyzing specific contractual clauses, such as liability limitations; * Ability to propose process improvements and operational efficiency gains.