Claims Advocate

Job Description

Job Description

Location: Remote

ERGO NEXT's mission is to help entrepreneurs thrive. We're doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience. 

Simply put, wherever you find small businesses, you'll find ERGO NEXT.

Since 2016, we've helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We're backed by industry leaders in insurance and tech, and we still have room to grow — that's where you come in.

As a Claims Advocate, you'll  manage a portfolio of new claims, utilizing your growing expertise to identify third-party negligence early in the process. Your role is to interpret policy language and analyze initial loss reports to ensure that liability is accurately assessed from day one. You'll collaborate with adjusters and site experts to build a solid foundation for every claim, developing the investigative rigor needed to thrive in a fast-paced commercial environment.

What You'll Do

• Investigate and Assess Liability: Conduct thorough investigations to identify liable third parties and assess the liability and 
• Claims: Initiate, document, and manage all aspects of general liability cases from identification through final resolution
• Negotiate Settlements: negotiate and process denials per the policy. 
• Evaluation: Establish the precise financial and legal merit of a loss
• Collaborate with Our Claims Team:  Work alongside claims adjusters, legal partners, and vendors  to determine coverage and proper claim practices.
• Documentation: Per our best practice claim handling and legal requirements. 
• Policy Analysis and Compliance: Review and interpret policy language to align with company policies and relevant legal requirements
• External Vendor Management: Engage and coordinate with outside vendors, specialists, attorneys, and investigators as needed.

What We Need

• Technical Knowledge: Strong understanding of commercial property and liability insurance policies, as well as knowledge of relevant state and federal subrogation laws. Knowledge of construction methods is beneficial
• Communication and Negotiation Skills: Proven ability to communicate effectively and negotiate with a range of stakeholders, including third-party insurers and legal representatives
• Analytical Skills: Detail-oriented with a strong analytical approach to assessing claims and identifying coverage determination. 
• Education: Bachelor's degree in Business, Insurance, or a related field is preferred
• Experience: Minimum of 3+ years in GL Claims, with a focus on commercial property claims handling or commercial general liability assessment within the insurance industry. We are seeking professionals with experience handling commercial claims, property claims, and/or general liability cases specifically
• Licensure: Candidates must have, or be able to promptly obtain, any and all appropriate Independent Adjuster License(s)

Note on Fraudulent Recruiting

We have become aware that there may be fraudulent recruiting attempts being made by people posing as representatives of ERGO NEXT Insurance. These scams may involve fake job postings, unsolicited emails, or messages claiming to be from our recruiters or hiring managers. 

The range displayed on this job posting reflects the minimum and maximum target for new hire base salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including, without limitation, job-related skills, experience, and relevant education or training. ERGO NEXT employees are also potentially eligible for our annual performance-based incentive program, in addition to our benefits package, consisting of our partially subsidized medical plan, fully subsidized vision/dental options, life insurance, disability insurance, 401(k), flexible paid time off, parental leave and more.

US annual base salary range for this full-time position:

$65,000—$80,000 USD

Don't meet every single requirement? Studies have shown that some underrepresented people are less likely to apply to jobs unless they meet every single qualification. At ERGO NEXT, we are dedicated to building a diverse, inclusive and respectful workplace, so if you're excited about this role but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles.

One of our core values is 'Play as a Team'; this means making sure everyone has an equal chance to participate and make a difference. We win by playing together. ERGO Next Insurance is an equal opportunity employer and prioritizes building a diverse and inclusive workplace. We provide equal employment opportunities to all employees and applicants of any type and do not discriminate based on race, color, religion, national origin, gender, age, sexual orientation, physical or mental disability, genetic information or characteristic, gender identity and expression, veteran status, or other non-job-related characteristics or other prohibited grounds specified in applicable federal, state, and local laws. ERGO Next's policy is to comply with all applicable laws related to nondiscrimination and equal opportunity and will not tolerate discrimination or harassment based on any of these characteristics. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.