Claims Consultant

The Claims Consultant serves as the primary claims advisor for clients by providing strategic claims consulting, insurance coverage analysis, and claims advocacy across a broad spectrum of commercial insurance products.
The Claims Consultant independently manages a diverse portfolio of commercial insurance claims, develops claim strategies, interprets insurance policies, advocates on behalf of clients, and partners with internal and external stakeholders to deliver exceptional claim outcomes. The Claims Consultant also supports junior team members while continuing to expand technical expertise and client relationships.
Line of Business
This role supports consulting across a wide range of commercial insurance products, including Property, General Liability, Auto, Workers' Compensation, Professional Liability, Cyber, Management Liability, Crime, Executive Risk, Inland Marine, and other specialty coverages.

Primary Responsibilities

• Independently manage commercial insurance claims from initial assignment through resolution.
• Provide strategic guidance to clients before, during, and after significant claim events to help minimize operational and financial impact.
• Conduct comprehensive factual investigations, draft written coverage analyses and claim recommendations.
• Draft claims notices in accordance with policy requirements.
• Coordinate communications among insureds, carriers, adjusters, defense counsel, experts, and internal stakeholders.
• Monitor claim activity and maintain proactive follow-up throughout the claim lifecycle.
• Serve as the primary liaison between insureds and carriers.
• Advocate for clients regarding claim handling, coverage, defense, settlements, vendor selection, allocation, and reimbursement issues.
• Respond to reservation of rights letters and coverage positions.

• Review and interpret commercial insurance policies, including standard and manuscript forms, and manage coverage situations involving layered programs, multiple policy years, deductibles, SIRs, allocation, and manuscript endorsements.
• Prepare sophisticated written coverage analyses.
• Recommend strategic notice approaches.
• Negotiate with carriers regarding coverage and claim handling and negotiate favorable claim outcomes.

• Build long-term relationships with clients and account teams.
• Lead claim review meetings, as needed.
• Assist with onboarding new clients and establishing claims handling protocols.
• Understand client operations and risk management objectives.
• Provide timely, professional communication throughout the claims process.
• Identify emerging claim trends and provide recommendations.
• Partner closely with Producers, Account Executives, Risk Advisors, and other internal stakeholders to deliver a seamless client experience.

• Participate in Request for Proposal (RFP) responses and finalist presentations demonstrating Newfront’s claims consulting capabilities to prospective clients as needed.
• Support client retention initiatives by delivering exceptional claims consulting services.
• Identify opportunities to expand client relationships.

Continuous Improvement & Leadership

• Continue developing technical expertise across commercial insurance lines by participating in internal training and professional development.
• Mentor Associate Claims Consultants.
• Assist Claims Administrators with technical guidance.
• Assist with development of claims resources and best practices.
• Recommend improvements to claims workflows, technology solutions, and operational processes to clients and the team.

The successful candidate demonstrates expertise in the following areas:

• Strong knowledge of commercial insurance coverage and claims handling.
• Ability to independently interpret policy language, conduct preliminary coverage analysis, and communicate that into practical, business focused recommendations.
• Experience managing litigated, non-litigated, first and third-party claims.

• Ability to independently develop claim strategy, resolve challenging client situations and understand broader business implications.
• Exercises independent judgment but recognizes complex issues requiring senior involvement.
• Strong critical thinking and analytical skills.

• Excellent written and verbal communication skills.
• Strong analytical writing and legal reasoning abilities.
• Ability to explain complex insurance concepts clearly.
• Strong…