Sr. Claims Advocate

Job Description

Job Description

Location: Remote

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 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. 

Every claim tells a story — and you know how to uncover the truth behind it. With sharp investigative skills and clear, compassionate communication, you guide small business owners through moments that matter. If you can connect the dots and connect with people, this role is made for you.

What You'll Do:  

• Investigate, evaluate, and resolve General Liability Bodily Injury, Property Damage, as well as Professional Liability claims, both with and without attorney involvement. 
• Analyze coverage, liability, and damages based on policy terms, claim reports, statutes, and case law to determine appropriate claim handling.
• Communicate effectively with policyholders, claimants, and witnesses to gather information, provide updates, and guide the claims process.
• Identify and refer potentially fraudulent claims to SIU and pursue third-party subrogation opportunities where applicable.
• Ensure compliance with all relevant statutory and regulatory requirements across jurisdictions.
• Demonstrate strong customer service skills with empathy, clear communication, and a focus on resolution.

What We Need:  

• 5-10+ years experience handling liability claims involving bodily injury, including coverage analysis, investigation, and compliance-focused claims handling.
• Demonstrated history of thorough Injury Evaluation and Negotiation Skills
• Strong written and oral communication skills required as well as strong interpersonal, analytical, investigative, and negotiation skills.
• Candidates must have, or be able to promptly obtain a Texas Independent Adjuster License

Unstoppable Qualities:  

• Natural Curiosity Paired with Relentless Follow-Through
• Calm Under Pressure with a Talent for Diffusing Tension

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:

$80,000—$110,000 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.