Job DetailsLevel: ExperiencedJob Location: Home Office - Bel Air, MD 21014Position Type: Full TimeEducation Level: 4 Year DegreeSalary Range: $95,120.00 - $136,735.00 Salary/yearTravel Percentage: Up to 25%Job Shift: DayJob Category: InsuranceWHO WE ARE: Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success® for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility. Listed within this posting is the anticipated salary range for this position, plus variable incentive compensation. The final salary offered to a successful candidate may vary and will be dependent on several factors that include, but are not limited to, your business experience, education, and individual capacity. Harford Mutual is a multi-state employer, and this salary range may not reflect positions that work in other states. THE OPPORTUNITY: The Complex Claims Specialist exercises independent judgment and discretion in the investigation, evaluation, negotiation, and resolution of highly complex, high-severity commercial casualty claims. The role serves as a technical resource to the claims organization, providing oversight, guidance, and strategic direction on significant exposure claims involving litigation, catastrophic injuries, complex coverage issues, and large financial exposures. LOCATION: Remote/Hybrid (Bel Air, MD office) WHAT YOU’LL DO: Provide technical oversight of complex auto claims, including the identification and evaluation of commercial auto claims with significant severity potential. Direct claim handling of complex claims, typically in excess of $250,000, & handling of complex coverage claims. Actively coordinate claim file reviews with insured and agent. Provide mentorship and guidance to claims staff on complex casualty claims. Provide constant communication and feedback to claims staff and management regarding complex claims. Maintain lawsuit record keeping & monitor defense counsel adherence to litigation procedures Participates in complex exposure analysis and strategies. Devise and implement Alternative Dispute Mechanisms. Develop and implement litigation expense reduction methods. Reduce and monitor number of open lawsuits. Attend trials, settlement conferences and other discovery processes, as well as negotiate settlements Perform field investigation where necessary. Review and establish appropriate reserves. Provide necessary information to reinsurers and affiliates. WHAT YOU’LL BRING: Minimum four-year degree or comparable work experience; JD is a plus Minimum of 12 years’ industry experience Completion CPCU, AIC, SCLA or equivalent Knowledge and understanding of litigation process. Ability to understand and analyze insurance coverage BENEFITS: PHYSICAL DEMANDS & WORK ENVIRONMENTAL FACTORS: The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. EEO STATEMENT: Harford Mutual Insurance Group provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Most new hires fall within this range and have the opportunity to earn more over time. Initial placement within the salary range, however, is based on an individual's relevant knowledge, skills and experience for the position. Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the Perks & Benefits on our website. Qualifications

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