Coverage litigation, bad faith, regulatory compliance.
5 AI translations · InsuranceUniversal Overlay
You evaluate D&O submissions by analyzing financial statements, SEC filings, corporate governance, litigation history, and industry-specific risks. You assess Side A/B/C coverage structures, excess tower positioning, and M&A-related exposures.
Cyber underwriting evolves quarterly. You evaluate IT security controls (MFA, EDR/MDR, patch management, backups), data governance, incident response preparedness, regulatory exposure (PII volume, HIPAA/PCI), and business interruption exposure. Actuarial credibility is thin because the peril is emerging.
Workers' comp litigation is a volume business with a substantial proportion attorney involvement in some states. You manage defense counsel panels, set settlement authority, attend mediations, and track outcomes. Settlement evaluates remaining medical exposure, PPD/PTD, vocational rehab, and Medicare compliance costs.
You analyze coverage questions on litigated claims: policy language, exclusions, duty to defend vs. indemnify. You manage outside counsel panels, review litigation budgets, and make settlement authority recommendations.
You manage bad faith exposure: ensuring claims handling meets statutory and case law standards. You review files for potential bad faith indicators, train claims staff, and manage bad faith litigation. Extra-contractual exposure can exceed policy limits by orders of magnitude.