Complex Claims Director - Insurance Expert

About this role

About the job Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark , General Catalyst , Peter Thiel , Adam D'Angelo , Larry Summers , and Jack Dorsey . Position: Complex Claims & Coverage Director Type: Contract Compensation: $80/hour Location: Remote Commitment: 20+ hours/week Role Responsibilities Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy.

Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations. Write "golden" reference responses at senior technical claims quality. Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline. Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional.

Provide written feedback the research team uses to improve model behavior. Qualifications Must-Have 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims. Evaluated coverage issues and developed claim strategies involving multiple parties, layers, policies, or jurisdictions. Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.

Can distinguish an operational coverage position from formal legal advice and recognize when specialized legal review is required. Demonstrate exceptional written reasoning, defensible judgment, and high attention to detail. Comfortable reviewing incomplete records and clearly separating facts, assumptions, open issues, and recommended next steps. Preferred CPCU , AIC , SCLA , ARM , or comparable insurance designation.