Claim Counsel - Environmental​/Professional Liability

Key Responsibilities

Coverage Analysis

• Review and interpret Environmental/Pollution Liability, Professional Liability (E&O), and related policies, including manuscript forms and endorsements.
• Analyze coverage issues including pollution conditions, gradual vs. sudden releases, remediation costs, third‑party bodily injury and property damage, and professional services exposures.
• Evaluate applicability of exclusions, known conditions, prior acts, and allocation issues between covered and uncovered loss.
• Draft and issue coverage position letters, including reservations of rights and denial letters.
• Provide input on policy forms, wording, and emerging environmental coverage issues.

Claims Investigation & Strategy

• Oversee complex claims involving site contamination, environmental cleanup, regulatory actions, natural resource damages, and professional services errors or omissions.
• Coordinate with environmental consultants, engineers, remediation experts, and legal counsel to evaluate liability, causation, and damages.
• Analyze exposures related to remediation costs, business interruption, bodily injury, property damage, and long‑tail environmental liabilities.
• Develop and implement strategic approaches for claim resolution, including oversight of litigation and regulatory proceedings.
• Provide carriers with independent, well‑reasoned claim evaluations supported by expert analysis and investigation findings.

Negotiation & Settlement

• Evaluate exposure and make settlement recommendations, including complex cost allocation between remediation, defense, and indemnity components.
• Set and manage reserves reflecting long‑tail and evolving environmental exposures.
• Negotiate settlements and participate in mediations, regulatory negotiations, and multi‑party resolutions.

Regulatory Compliance & Documentation

• Ensure all claims handling complies with Department of Insurance regulations and applicable environmental regulatory frameworks.
• Maintain thorough documentation of coverage analyses, remediation strategies, and regulatory developments in the claims management system.

Collaboration & Communication

• Serve as a trusted advisor to internal teams and carriers on environmental and professional liability coverage issues and trends.
• Act as the primary liaison with coverage counsel, environmental consultants, defense counsel, insureds, brokers, and regulatory bodies.
• Provide clear reporting to carriers, including coverage analysis, exposure evaluation, and remediation strategy updates.

• Juris Doctor (JD) with active bar membership in good standing, or
• 7–10+ years of senior‑level experience handling Environmental Liability, Pollution Liability, Professional Liability, or similar complex claims.

• Active adjuster licenses and willingness to obtain and maintain additional licenses, as needed.
• Demonstrated expertise in coverage analysis and policy interpretation for environmental and/or professional liability lines.
• Experience issuing or advising on coverage positions, including reservations of rights and denials.
• Strong understanding of environmental exposures, remediation processes, and associated damages.
• Ability to evaluate long‑tail claims, allocation issues, and multi‑party liability scenarios.
• Excellent analytical, negotiation, and communication skills.
• Ability to manage multiple high‑severity, complex claims independently.
• Proficiency with claims management systems and related tools.

• Direct experience handling pollution/environmental claims, including site remediation and regulatory matters.
• Familiarity with contractor pollution liability, environmental consultants E&O, or combined environmental/professional programs.
• Experience working closely with environmental consultants, engineers, and specialized defense counsel.
• Background in program business, specialty lines, or manuscript policy environments.

At Davies North America, we are dedicated to supporting the well‑being and future of our qualifying employees. Our comprehensive benefits package includes:

• Medical, dental, and vision plans to support your health and…