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Liability Litigation Claims Examiner at Heritage Insurance – Tampa, Florida

Heritage Insurance
Tampa, Florida, 33607, United States
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About This Position

Litigation Liability Claims Examiner

Location: In the heart of the Westshore District, just minutes from Tampa International Airport

Are you a seasoned commercial liability claims professional who thrives in complex litigation environments? Do you bring sharp coverage analysis, strategic negotiation skills, and a passion for delivering exceptional customer service?

We are seeking an experienced Litigation Claims Examiner to manage high-exposure, complex commercial liability claims from inception through resolution. This is a high-impact role where your expertise in coverage interpretation, litigation management, and risk transfer will directly influence outcomes and protect our policyholders and the organization.

Located in Tampa’s premier Westshore Business District, we offer an excellent, highly competitive compensation and benefits package, a collaborative culture, and the opportunity to work alongside top legal and insurance professionals.

What You’ll Do

As a trusted claims examiner, you will:

  • Analyze complex commercial liability coverage issues and issue reservation of rights and disclaimer letters as appropriate.
  • Investigate, evaluate, reserve, negotiate, and resolve litigated commercial liability claims in accordance with Best Practices.
  • Interpret commercial construction contracts, hold harmless agreements, indemnification provisions, and contractual liability defense and indemnity clauses.
  • Develop and execute litigation strategies in partnership with defense and coverage counsel.
  • Manage third-party defense costs and ensure compliance with Litigation Guidelines and Legal Department policies.
  • Attend mediations, depositions, EUOs, arbitrations, pre-trials, and trials as needed (some travel required).
  • Evaluate bodily injury and property damage exposures, establish appropriate indemnity and expense reserves, and issue timely large loss notices.
  • Identify and pursue risk transfer and “other insurance” opportunities, including impleading additional responsible parties.
  • Conduct thorough investigations involving insureds, claimants, OSHA, law enforcement, contractors, architects, engineers, medical providers, and other experts.
  • Maintain strong diary management, file documentation, and evaluation standards.
  • Present high-level summaries of complex litigated files to executive leadership.
  • Deliver superior customer service while balancing indemnity and expense management.

    • What You Bring

  • 10+ years of liability claim handling experience (multi-jurisdiction experience preferred).
  • 5+ years of commercial general liability claim handling.
  • 5+ years of litigation management experience.
  • 5+ years of bodily injury evaluation and negotiation experience (serious injury preferred).
  • Strong background in complex coverage analysis and contract interpretation.
  • Experience handling HOA/Condominium claims and interpreting property management documents preferred.
  • Florida Adjuster’s License required (multi-state licensing preferred).
  • Associate’s degree required; Bachelor’s degree preferred.

    • Skills That Set You Apart

  • Exceptional negotiation skills with a proven track record of successful outcomes.
  • Advanced analytical and problem-solving abilities.
  • High emotional intelligence and conflict management skills.
  • Ability to communicate complex legal and coverage concepts clearly and professionally.
  • Strong litigation strategy development and defense counsel management experience.
  • Excellent organizational skills and ability to manage multiple high-exposure files in a fast-paced environment.
  • Self-motivated, results-driven, and comfortable working both independently and collaboratively.
  • Advanced Microsoft Office proficiency.

    • Why Join Us?

  • Prime Tampa location in the Westshore District, near Tampa International Airport
  • Competitive compensation aligned with your expertise
  • Comprehensive benefits package
  • High-impact, visible role working with executive leadership
  • Collaborative and entrepreneurial work environment
  • Commitment to best-in-class claims practices

    • All offers of employment are contingent upon successful completion of pre-employment background checks (which may include driving history, credit report, and other position-related screenings).

    We are an Equal Opportunity Employer committed to fostering an inclusive and diverse workplace.

    If you’re ready to bring your litigation expertise to a company that values excellence, accountability, and professional growth — we’d love to connect.


    Job Location

    Tampa, Florida, 33607, United States

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