Claims Advocate

Location: Remote

ERGO NEXT's mission is to help entrepreneurs thrive. We’re 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. 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.

About the role

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.

Responsibilities

• Investigate and Assess Liability: Conduct thorough investigations to identify liable third parties and assess the liability.
• Manage 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: Maintain 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.

Requirements

• 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. 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).

Pay

US Annual Base Salary Range for this full-time position: $60,000—$80,000 USD.

Benefits

• Partially subsidized medical plan.
• Fully subsidized vision and dental options.
• Life insurance.
• Disability insurance.
• 401(k).
• Flexible paid time off.
• Parental leave.
• Annual performance-based incentive program.