Claims & Coverage Counsel - In-House

Openly is rebuilding insurance from the ground up. We are re-envisioning and enhancing every aspect of the customer experience. Doing this requires a rapidly growing team of exceptional, curious, empathetic people with a wide range of skill sets, spanning technology, data science, product, marketing, sales, service, claims handling, finance, etc.

We created Openly because we saw an evident gap in the market for premium insurance made simple. Consumers deserve more complete coverage at competitive prices.

• The Price Difference: Using cutting-edge data and technology, we provide you with customizable, competitive prices to protect your most valuable assets.
• The Policy Difference: Coverages are truly customizable to meet your individual protection needs, for both standard coverages and optional add-ons.
• The Experience Difference: From tailored claims handling to highly responsive customer service, we are focused on making the home insurance purchasing process a better overall experience.

At Openly, our people are just as important as our product. For us, collaboration, communication, and work-life balance are more than nice-to-haves— they’re the must-haves that make us who we are. We believe a great company is the result of a shared set of values, so we look for these qualities in every candidate we hire. 

• Integrity
• Empathy
• Teamwork
• Curiosity
• Urgency

We've designed our hiring process with you, the candidate, in mind. At every step, you have the chance to present your strengths and learn more about what makes Openly a great place to work.

We embrace individuality and believe diverse teams are winning teams. Our commitment to inclusion across race, gender, age, religion, identity, and experience drives us forward every day.

• Partner with the Claims department on complex and high-exposure claims, providing strategic counsel on reserves, risk mitigation, litigation strategy, and real-time legal guidance on time-limit demands, conditional demands, stipulated judgments (e.g., Morris, Damron, or Cunniff style agreements), and multi-claimant settlements where policy limits are insufficient, ensuring proactive management of extra-contractual risk. 
• Be an active participant in litigation strategy conferences, attend high-stakes mediations, depositions, and trials to protect the company’s interests. 
• Conduct legal research and keep stakeholders informed about the latest developments in claims specific case law.  

• Draft formal, internal legal opinions regarding complex coverage issues (e.g., duty to defend vs. indemnify, stacking of limits, and application of exclusions). 
• Approve or draft Reservation of Rights (ROR) letters and formal Denial of Coverage correspondence, rescissions or void ab initio. 
• Analyze state-specific claims handling statutes and advise claims staff on compliance to prevent extra-contractual exposure.
• Monitor emerging judicial trends (social inflation, nuclear verdicts, policy "stacking") and translate insights into actionable claims protocols and policy language updates. 
• Partner across teams to draft and revise policy forms, shape product strategies, and innovate coverage solutions for emerging risks. 
• Mentor others, lead special projects, and share legal knowledge to drive business forward.  

• Juris Doctorate degree (JD) from an ABA accredited law school and active license to practice law in at least one U.S. jurisdiction 
• 7+ years of experience in P&C insurance law, with significant expertise in personal lines liability litigation (Auto/Home) 
  • Experience managing multi-state 1st party and 3rd party litigation or providing coverage counsel for a national carrier   
  • Specific expertise in defending/advising on extra-contractual exposure 
  • Prior litigation defense experience preferred 
• Sound legal judgment and ability to provide pragmatic and strategic legal advice to the business 
• Evaluate complex liability and litigation exposures, and clearly articulate potential risks, financial impacts, and strategic recommendations to senior leadership and executive stakeholders
• Ability to collaborate effectively with people at all levels of the company 
• Flexible and adaptive in a fast paced environment with changing priorities/deadlines 
• Strong analytical and problem solving skills with the ability to assess, analyze, organize and summarize complex matters
• Effective verbal and written communication skills, legal writing and regulatory analysis 
• Proficiency in Microsoft Office Suite and/or Google Suite

Benefits & Perks

• Remote-First Culture - We supported #remotelife long before it was a given. We'll keep promoting it.
• Competitive Salary & Equity
• Comprehensive Medical, Dental, and Vision Plan Offerings
• Life and disability coverage including voluntary options
• Parental Leave - up to 8 weeks (320 hours) of paid parental leave based on meeting eligibility requirements
  (Birthing parents may be eligible for additional leave through STD)
• 401K Company Contribution - Openly contributes 3% of the employee's gross income, even if the employee does not contribute.
• Work-from-home stipend - We provide a $1,500 allowance to spend on setting up your home workplace
• Annual Professional Development Fund: Each employee has $2,000 in professional development (PD) funds to spend on activities or resources annually. We want each Openly employee to achieve personal and professional success and to feel supported, confident, and informed about improving their efficiency and productivity.
• Be Well Program - Employees receive $50 per month to use towards your overall well-being
• Paid Volunteer Service Hours
• Referral Program and Reward

Depending on position, Employees generally are eligible for cash incentive compensation, including commissions for sales eligible roles. In all cases, eligibility for compensation and benefits is subject to applicable plan and policy terms in effect from time to time.

U.S. Citizens, Green Card Holders, and those authorized to work in the U.S. for any employer and currently residing in the US will be considered.

Openly is committed to equal employment opportunity and non-discrimination for all employees and qualified applicants without regard to a person's race, color, sex, gender identity or expression, age, religion, national origin, ancestry, ethnicity, disability, veteran status, genetic information, sexual orientation, marital status, or any characteristic protected under applicable law. Openly is an E-Verify Employer in the United States. Openly will make reasonable accommodations for qualified individuals with known disabilities under applicable law.

We strive to provide an exceptional applicant and candidate journey when you engage with us. In an effort to respond to applicants in a timely manner, we leverage AI to organize applications and resumes based on required and applicable skills and experience. To allow our applicants to drive their initial interview experience with us, we may leverage an AI-supported scheduling tool so you can choose when to meet with our team. While AI assists with efficiency, all hiring decisions are made by our team members. Rest assured, your data is protected according to privacy laws and company policies. Contact our recruitment team with any questions about our AI-assisted hiring process.