Senior State Filings Analyst

Job Description

Job Description

Location: Waltham, MA (hybrid)

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.

We are seeking a skilled Senior State Filings Analyst to join our team. You will focus on regulatory compliance, end-to-end filing management, and policy language refinement for commercial Workers' Compensation and Property and Casualty (P&C) insurance products. Working closely with Legal and Product teams, you will ensure all policy forms, rates, and rules align with state regulatory requirements and company objectives.

What You'll Do:

End-to-End Filing & Regulatory Management

• Filing Ownership: Own the full lifecycle of product filings, ensuring accurate submissions across all 51 jurisdictions.
• Strategy & Resolution: Develop filing strategies and proactively resolve regulatory challenges to keep projects on track.
• External Relations: Manage tight deadlines and relationships with state regulators and external consultants.
• Research & Interpretation: Analyze insurance regulations, statutes, and bulletins to ensure compliance.

Policy Development & Compliance Collaboration

• Form & Manual Crafting: Develop, revise, and maintain policy forms, endorsements, and manuals for commercial Workers' Compensation and P&C insurance products.
• Cross-Functional Collaboration: Partner with Insurance Product Managers and Legal to draft and refine policy language and address state objections.
• Escalation Resolution: Oversee and resolve compliance-related tickets escalated by the Legal and Insurance Product team.

Bureau Tracking & Documentation

• Bureau Circular Management: Monitor and evaluate ISO and NCCI bureau circulars for business impact, collaborating with Insurance Product Managers to assess the need for regulatory filings.
• Audit Readiness: Maintain documentation of manual and form language revisions to support audits.
• System Management: Organize and track all filing workflows in Confluence, JIRA, and internal databases.

What You Need:

• Bachelor's degree in insurance, business, law, or a related field preferred, or equivalent relevant experience.
• Minimum of 2 years managing multi-state insurance product filings (Forms, Rates, Rules).
• System Expertise: Strong knowledge of SERFF, Florida's i-File system, and jurisdictional requirements.
• Industry Knowledge: Deep understanding of commercial P&C policy forms and regulations.

Core Competencies

• Project Management: Ability to prioritize, manage tight deadlines, and handle multiple filings.
• Problem-Solving: Proactive, analytical mindset with sharp attention to detail.
• Ownership: Self-motivated with strong accountability and a focus on efficiency and automation.
• Adaptability: Exceptional time management and flexibility in a changing regulatory landscape.

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:

$90,000—$104,000 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.