Senior Claims Specialist, Liability

The OpportunityAre you looking for a caring, collaborative, values-driven workplace with inspiring teammates and leaders? Do you have the ambition and desire to be the best and thrive at the most impactful global insurance provider in the world? Look no further than Zurich Canada.
If you have experience handling commercial liability claims and are looking for a new challenge, we would love to hear from you.
Zurich Canada is currently looking for a Senior Claims Specialist, Liability for our Toronto office, to handle single and multi-party commercial lines claims of low to moderate exposure and complexity within specific limits of authority.
Reporting to the Senior Claims Manager, you will manage claims by following established protocols to ensure they are handled efficiently, effectively, and with a customer-centric approach.
This is a unique opportunity to build your knowledge and experience for the future in a supportive environment where your voice matters. This posting is for an existing vacancy.
Zurich Canada uses artificial intelligence–enabled tools to support certain aspects of the recruitment process, including the initial review and screening of applications. Artificial intelligence is not the sole basis for candidate shortlisting or selection. All hiring decisions are reviewed and made by qualified hiring professionals.
Zurich follows a hybrid work model requiring three days per week of in-person presence, which may include time in the office or market-facing engagements.
What you will do
Document claims files by accurately capturing and updating claims data and information in compliance with best practices for low to moderate exposure and complexity personal or commercial line claims
Exercise judgement to determine liability by gathering and analyzing relevant facts, utilizing applicable law, and establishing basic principles of negligence
Determine policy verification and coverage by analyzing applicable coverage and ensuring the loss falls within coverage parameters
Develop case strategy and evaluations for timely resolution of claims, escalating issues as appropriate
Establish timely reserves and conduct ongoing reviews throughout the claims cycle within authority limits by estimating and validating the value of claims
Assess damages by calculating applicable damages or range of damages allowed by law
Negotiate settlements by establishing appropriate negotiation strategies and utilizing available tools and resources within authority limits
Meet quality standards by following best practices
Ensure customer service by proactively communicating information, responding to inquiries, following customer protocols, and participating in customer marketing efforts as needed
Manage expenses by working within vendor approved networks and managing scope of work assigned to outside contractors, departing from approved vendors with manager approval where in the best interest of the insured
Ensure legal compliance by following state and federal laws, regulations, and internal control requirements
Refer claims to subrogation and fraud teams by identifying potential subrogation and fraud
Contribute to profitable growth by providing risk insight, information, and trends to the Business Unit or customer as needed
Protect Zurich's reputation by keeping claims information confidential
Maintain professional and technical knowledge by participating in educational opportunities, staying current with industry trends, establishing personal networks, and participating in professional societies
Job Qualifications - What You Bring To The Table
Bachelor’s Degree and 3 or more years of experience in the Claims or Insurance area
OR
Zurich Certified Insurance Apprentice, including an Associate Degree and 3 or more years of experience in Claims or Insurance area
OR
Completion of Zurich Claims Training Program and 3 or more years of experience in the Claims or Insurance area
OR
High School Diploma or Equivalent and 5 or more years of experience in the Claims or Insurance area
AND
Knowledge of insurance regulations, markets, and products
Microsoft Office experience
Preferred:
Minimum 4-5 years of experience handling commercial liability claims
Effective verbal and written communication skills
Strong analytical, critical thinking, and problem-solving skills
Solid time management, prioritization, and multi-tasking skills
Experience collaborating in a team environment and building cross-functional working relationships
Adept in identifying and explaining complex financial and/or actuarial concepts
Ability to determine the scope and exposure for moderately complex claims
Demonstrates understanding of the reserving process for indemnity and expense in analyzing the potential exposure of moderately complex claims
Ability to develop and execute a negotiation strategy and plan for resolution
Ability to identify subtleties in customer/client and/or business partner interactions
Ability to present information necessary to propose a claim resolution to stakeholders
At Zurich Canada, we are committed to pay equity. We determine compensation based on objective criteria such as skills, experience, and internal equity. The salary range for this position is $85,000 to $115,000. This range reflects the expected pay for the role across Canada and may vary depending on factors like office location, specific responsibilities, and individual qualifications. As required by local law, Zurich provides in good faith a reasonable compensation range, but starting salaries may exceed this range based on a candidate’s skills and experience.
Our Culture
At Zurich, we are proud of our culture. We are passionate about Diversity, Inclusion, Equity and Belonging (DIEB). We want you to bring your whole self to work, and we want our employees to be reflective of the communities in which we live and work. Our DIEB initiatives are creating an environment where everyone feels welcome.
We have a collaborative culture where diversity of thought is valued. We value your input and strive to give our employees the tools they need to make an impact.
We care about our employees’ well‑being and offer a comprehensive health/benefits plan with varying levels of coverage to suit your specific needs and a competitive total compensation package.
We understand how important it is to rest, recharge and do the things you love. At Zurich, all employees receive a minimum of four weeks of vacation per year to do just that.
We also understand that employees require time off for personal reasons. Maybe you have an appointment during a workday, a cultural or religious holiday you would like to observe, or you need time off to focus on your mental health. Zurich employees receive four personal days per year to be used at their discretion.
We are committed to continuous improvement and offer access to a comprehensive range of training and development opportunities.
We care about our communities. Our communities are where our customers, people, and shareholders live and work. While we can be proud of the contribution to society Zurich makes through our core business of insurance, we must also give back to our communities through our talent, time and resources.
We have won numerous awards for our workplace culture. We are proud to be one of Greater Toronto’s Top Employers and to have received Insurance Business Canada’s 5‑Star Diversity, Equity and Inclusion Award.
Make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us.
About UsZurich Canada is part of the Zurich Insurance Group, a multi-line insurer with approximately 55,000 employees worldwide serving customers in global and local markets. Zurich Canada has been a leading insurance provider serving mid‑sized and large companies, including multinational corporations, in the Canadian commercial market for 100 years. With over 900 employees in offices across the country, Zurich offers the global strength of a top insurance provider combined with in‑depth knowledge of industries and local markets. Zurich Canada aspires to be risk management professionals’ first choice as their premier partner to help meet the risk challenges of today and tomorrow. Read more at
A future with ZurichNow is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 148 years of experience managing risk and supporting resilience. We are a leading provider of commercial property‑casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. Today, we serve more than 25 industries, from agriculture to technology and insure 90% of the Fortune 500®.
Our growth strategy is not limited to our business. As an employer, Zurich strives to provide ongoing career development opportunities and foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our people, our customers and the communities we serve.
As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers’ expectations. Zurich is committed to providing a diverse, inclusive and barrier‑free environment resulting in an accessible organization for employees, customers, and other parties who interact with, or on behalf of, Zurich. We strive to achieve a workplace free of discrimination of all forms, including discrimination on the basis of physical or mental disability, or medical condition. If you are interested in a job opportunity, please advise if you require an accommodation, so we can work with you to provide a more accessible process.
Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich Canadian Holdings Limited. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission.
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