Senior Coverage Attorney

Encova Insurance

. Provide timely legal and technical guidance on complex commercial and personal lines coverage matters .

Posted 9/17/2026full-timeColumbus • Connecticut • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive knowledge of commercial and personal lines insurance coverage, policy interpretation, and claim handling practices. Capable of providing legal guidance, preparing coverage opinions, and managing complex litigation while fostering effective partnerships across organizational levels.

Highest-signal resume keywords

Juris Doctor DegreeActive Law LicenseInsurance Coverage AnalysisCoverage LitigationLegal Research

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Insurance Coverage AnalysisCoverage LitigationPolicy InterpretationClaim Handling PracticesLegal ResearchCoverage Opinions PreparationRegulatory ComplianceClaims Counsel ExperienceMulti-Line Insurance ExperienceLegal Writing

Soft Skills

Analytical SkillsCommunication SkillsPresentation SkillsJudgmentPartnership Building

Certifications & Qualifications

CPCUAICSCLA

Industry Keywords

Commercial Lines InsurancePersonal Lines InsuranceBad-Faith ExposureDepartment of InsuranceReinsurance PrinciplesMarket Conduct ExaminationsDeclaratory Judgment ActionsClaims LeadershipLitigation StrategyClaims Professionals Mentoring

About the role

Key responsibilities & impact

Provide timely legal and technical guidance on complex commercial and personal lines coverage matters
Analyze policy language, endorsements, exclusions, claim facts, and applicable law
Guide coverage investigations and prepare coverage opinions and legal analyses
Review coverage communications
Advise Claims leadership on dispute resolution, extra-contractual exposure, bad-faith allegations, claim handling concerns, and legal risks
Serve as Claims’ senior technical resource for significant coverage litigation and declaratory judgment actions
Develop and execute litigation and resolution strategies with Claims leadership, Legal, and outside counsel
Support pleadings, discovery, mediation, settlement, budgets, and trial preparation
Evaluate outside counsel performance and legal expense
Guide responses to Department of Insurance complaints, regulatory inquiries, market conduct examinations, and regulatory reviews
Support responses to subpoenas, records and discovery requests, and other legal process involving claim files
Monitor regulatory developments and claim handling requirements
Develop guidance, training, technical standards, templates, playbooks, and learning tools
Promote consistent coverage positions and claim handling practices across all lines of business
Participate in roundtables addressing coverage, exposure evaluation, litigation strategy, reserving, settlement authority, and claim handling
Identify recurring coverage issues, legal and regulatory developments, and claim trends requiring action
Support quality assurance and file reviews
Mentor claims professionals and leaders
Monitor judicial, regulatory, legislative, and industry developments affecting insurance coverage and claim handling
Partner with Underwriting and Legal on policy language, endorsements, coverage provisions, and product modifications
Support Claims initiatives involving new tools, processes, or workflows
Handle coverage opinions, legal research, correspondence, and claim-related consultation internally
Establish referral criteria for outside coverage counsel and Legal Department involvement
Evaluate law firm performance, staffing, strategy, budgets, results, and legal spend
Partner with Claims leadership and Reinsurance stakeholders on significant losses, coverage issues, treaty interpretation, reporting obligations, recoverability, and reinsurer relationships
Attend mediations, arbitrations, depositions, trials, regulatory meetings, and other proceedings as appropriate
Represent Claims on cross-functional committees, projects, and strategic initiatives
Participate in industry conferences, professional organizations, and continuing legal education activities
Perform other duties as assigned

Requirements

What you’ll need

Juris Doctor degree from an accredited law school is required
Active license to practice law in at least one U.S. jurisdiction and in good standing is required
CPCU, AIC, SCLA, or other relevant insurance industry designations are helpful
Minimum of 10 years of experience involving insurance coverage analysis, insurance litigation, claim-related legal support, or comparable property and casualty insurance experience is required
Extensive knowledge of commercial and personal lines insurance coverage, policy interpretation, and claim handling practices is required
Multi-line experience involving commercial auto, general liability, property, workers’ compensation, personal lines, umbrella, professional liability, or specialty coverages is preferred
Experience serving as coverage counsel, claims counsel, claim center general counselor, or in a similar role is strongly preferred
Demonstrated experience preparing coverage opinions, reservation of rights letters, denial letters, and other coverage-related communications is required
Strong knowledge of coverage litigation, declaratory judgment actions, extra-contractual and bad-faith exposure, and applicable claim handling requirements is required
Knowledge of insurance regulatory matters and legal processes including responding to Department of Insurance complaints, market conduct examinations, and subpoenas is required
Experience managing outside counsel, coverage litigation, and legal spending is preferred
Experience supporting underwriting or product teams in policy wording, endorsement development, or product review is preferred
Knowledge of reinsurance principles, reporting obligations, treaty interpretation, and recoverability considerations is preferred
Exceptional legal research, analytical, writing, communication, and presentation skills
Ability to translate complex legal and regulatory issues into clear, practical guidance for claims professionals and business leaders
Demonstrated ability to influence decisions, exercise sound judgment, and build effective partnerships across organizational levels and functions
Ability to manage multiple complex matters, prioritize effectively, and provide timely guidance in a fast-paced claims environment
Ability to handle confidential, sensitive, and potentially privileged matters with appropriate discretion and escalation
Experience developing and delivering technical training for claims professionals and leaders is preferred
Remote candidates must reside in one of the approved payroll states listed in the posting
Must reside and work within one of Encova Insurance’s approved U.S. payroll states

Benefits

Comp & perks

Health, Dental & Vision Insurance
Company-provided life and income protection plans
Eligibility to participate in a company incentive bonus program
401(k) Retirement Plan - 100% company match up to 7% on annual salary
Paid Time Off, Paid Holidays, and Floating Holidays
Flexible Work Arrangements - Hybrid and remote depending on the role
Challenging, stimulating, and financially rewarding opportunities
Professional learning and growth opportunities