Complex Claims & Coverage Director | $800 One-Time Remote
Overview
Mercor is coordinating a remote, task-based engagement for an AI lab training frontier models on insurance reasoning. The work requires senior claims practitioners to design realistic disputed-coverage scenarios, write golden reference responses at a senior technical standard, and grade model outputs against structured rubrics. Participants will handle coverage-position analyses, litigation-management plans, reserve rationales, and escalation recommendations. The role demands 20 or more hours per week and begins immediately.
What You'll Do7
- 1Design realistic claim scenarios that involve disputed coverage, reservations of rights, excess exposure, multiple insureds, and high-severity settlement strategy.
- 2Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations.
- 3Write golden reference responses that meet senior technical claims quality standards.
- 4Grade AI-generated responses against structured rubrics covering policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline.
- 5Flag claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside a non-lawyer claims professional's authority.
- 6Provide written feedback that the research team uses to improve model behavior.
- 7Participate in onboarding office hours and calibration sessions.
Requirements9
- 12+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.
- 2Experience evaluating coverage issues and developing claim strategies involving multiple parties, layers, policies, or jurisdictions.
- 3Understanding of insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.
- 4Ability to distinguish an operational coverage position from formal legal advice and recognize when specialized legal review is required.
- 5Exceptional written reasoning, defensible judgment, and high attention to detail.
- 6Comfort reviewing incomplete records and clearly separating facts, assumptions, open issues, and recommended next steps.
- 7Preferred: CPCU, AIC, SCLA, ARM, or comparable insurance designation.
- 8Preferred: Experience with excess casualty, professional liability, directors and officers, cyber, environmental, construction-defect, or other complex lines.
- 9Preferred: Experience overseeing TPAs, independent adjusters, experts, or panel counsel.
Who Should Apply
Senior carrier claims leaders, complex-claims specialists, and coverage directors with multi-party, high-severity file experience will fit this work well. People who handle only routine first-party claims or lack exposure to litigated coverage disputes will find the evaluation standards too demanding. A common rejection reason is presenting examples that do not show coverage-depth or litigation strategy. Another is failing to distinguish operational claim positions from formal legal advice, which this role actively tests.
Salary Insight
The project pays a flat $800 one-time fee. This is a fixed payment for the full engagement, not an hourly rate, so the effective hourly value depends on your work pace and the 20-hour weekly minimum.
Location
Required Skills
Application Tip
In your application, include a short sample of a past coverage analysis or claim strategy that shows how you separate facts, assumptions, and open issues. Reference specific policy language, reservation-of-rights considerations, or allocation decisions to demonstrate the senior-level judgment this role grades.
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