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Claims Coverage Attorney

$109,920- $196,625/ year
Posted Jun 29
Full Time
RemoteLos Angeles, California

We are Farmers!

We are… more than just your favorite commercials.  At Farmers, we strive to deliver peace of mind to our customers by providing protection and comprehensive advice and delivering in the moments of truth. That means having people who can help us meet changing customer and business needs. Farmers high-performance culture is focused on results and the people who achieve them. We hold ourselves and others accountable for sustainably growing the business and each other. We seek solutions, own our actions, and grow through discomfort. We see setbacks as opportunities while continuously asking ourselves how we impact our customers. 


Farmers is an award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn’t just our business – it’s our culture!  To learn more about our high-performance culture and open opportunities, check out and be sure to follow us on Instagram, LinkedIn, and TikTok. 


Workplace: Remote ( #LI-Remote )


We are seeking an experienced insurance coverage attorney to join our collaborative, supportive Claims Coverage & Research Unit! This is a remote/virtual position and we are open to candidates anywhere in the United States with a valid Bar license. Comprehensive benefits package including annual bonus potential up to 20% of the salary, generous 401k, PTO, medical/dental vision, paid parental leave, and much more all without the stress of billable hours! 

Job Summary

The Claims Coverage Attorney is responsible for providing ethical, objective and timely legal advice to Claims clients in all Lines of Business (LOB) on coverage matters nationwide. Handles coverage matters of moderate to high complexity and/or financial consequence. Provides legal support to Suits Against the Exchanges (SAE). Develops networks and relationships with LOBs across the organization and works with Claims management to provide expert legal advice on risk exposure, policy interpretation, claims strategy, and claims handling protocols. Renders advice to, and consults with, non-Claims departments including Underwriting, Compliance, Corporate Legal, and Customer Relations. Participates and provides support and legal assistance for the policy drafting committees regarding new policies, endorsements and modifications. Works with Farmers University and the LOBs to develop and deliver training and presentations. Participates in roundtable meetings with Claims management and team members.

Essential Job Functions

  • Analyze complex insurance contracts in all policy forms, including but not limited to CGL, BOP, BAP, CAP, D&O, Property, Workers’ Compensation, Professional E&O, Inland Marine, Truckers, Umbrella and all Personal Lines policies.
  • Conduct extensive and detailed research on how the laws of all fifty states affect the construction and interpretation of those policies.
  • Apply policy terms to non-routine, complex claims that can involve multiple parties, multi-million dollar exposures, novel issues and ambiguous or non-existent legal precedent.
  • Identify and protect against claims of bad faith with the potential to expose the company to multi-million dollar extra-contractual and punitive damage awards.
  • Provide comprehensive written opinions and strategic guidance to business leaders and senior executives.
  • Collaborates with and conducts peer reviews of colleagues work products to ensure quality and consistency. Work with senior management to address customer complaints.
  • Partner with the LOBs to develop litigation strategy.
  • Attend and participate in roundtable meetings with Claims executives on matters involving high complexity and/or financial exposure.
  • Develop relationships and network with clients and business partners.
  • Collaborate with, and monitor the work of, outside counsel to ensure quality and consistency. Perform other duties as assigned.

Physical Actions

Sits or stands for extended periods of time, up to a full work shift. Occasionally reaches overhead and below the knees, including bending, twisting, pulling, and stooping. Occasionally moves, lifts, carries, and places objects and supplies weighing 0-10 pounds without assistance. Listens to, interprets, and differentiates auditory information (e.g. others speaking) at normal speaking levels with or without correction. Visually verifies and reads information. Visually locates material, resources and other objects. Ability to operate a computer for extended periods of time, up to a full work shift. Physical dexterity sufficient to use hands, arms, and shoulders repetitively to operate keyboard and other office equipment up to a full work shift.

Physical Environment

This position operates in an open office working environment which will include normal and customary distractions, noise, and interruptions.

Education Requirements

Bachelor's degree required and law school degree required (J.D.) from an ABA or SBA accredited law school as well as member in good standing of a State Bar.

Experience Requirements

Minimum of 8 years (10-15 years preferred) as an attorney handling matters involving insurance policies, coverage disputes and litigation.


  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
    o CA Only: $116,960 - $186,560
    o CO Only: $109,920 - $160,820 
    o HI Only: $109,920 - $172,150
    o IL Only: $109,920 - $172,150
    o NY/ DC Only: $109,920 - $186,560 
             o Albany County: $116,960 - $160,820 
    o WA Only:  $109,920 - $195,625 
  • Bonus Opportunity (based on Company and Individual Performance)
  • 401(k)
  • Medical
  • Dental
  • Vision
  • Health Savings and Flexible Spending Accounts
  • Life Insurance
  • Paid Time Off
  • Paid Parental Leave
  • Tuition Assistance
  • For more information, review “What we offer” on


Job Location(s): R_US - United States

Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Want to learn more about our culture & opportunities? Check out and be sure to follow us on InstagramLinkedIn, and TikTok.