Sr. Claims Advocate

Company: Next Insurance
Location: Palo Alto
Posted on: February 13, 2026

Job Description:

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. We are looking for a motivated Claims Advocate focusing on Commercial Property and Inland Marine. You will join a team of experienced claims professionals and will investigate and resolve Commercial Property and Inland Marine claims to provide the best possible claim outcome and employ best efforts to ensure that the customers' interests are protected. What You'll Do: Manage claims related to commercial property and commercial inland marine damage Make prompt contact with customers to set expectations, develop an action plan, and perform an initial and continuous exposure assessments Investigate claim damages and situation using internal and external resources Determine coverage through analyzing investigation data and policy terms Explains coverage to policyholders providing excellent customer service Facilitate claim resolutions ensuring fair settlement What We Need: 5 years of claims handling experience with a focus on commercial property claims preferred First Party Litigation experience is a plus Knowledge of claims processes, policy language, and insurance industry practices is required. Experience with Xactimate and XactContents software is also required. Strong written and oral communication skills required, as well as strong interpersonal, analytical, investigative, and negotiation skills 2 years of experience handling fire and water losses. Adjusters license required and ability to obtain additional states Desire and ability to collaborate with many departments and coworkers A commitment to providing excellent customer service and maintaining high client satisfaction. Unstoppable Qualities: Empathetic, dedicated to understanding the needs of our customers Critical Thinker, has the ability to recognize irregularities and prevent fraud Enthusiastic about working for a company focused on disrupting the norm Eager to step outside the box and use the latest technology to simply and provide phenomenal service Team player who enjoys helping others be great, shares knowledge, shows respect and trust for the team. Overachiever who gets stuff done, sets aggressive goals and is driven to exceed expectations 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. Please note, we do not ask for sensitive information via chat, text, or social media, and any email communications will come from the domain @nextinsurance.com. Additionally, Next Insurance will never ask for payment, fees, or purchases to be made by a job applicant. All applicants are encouraged to apply directly to our open jobs via the careers page on our website. Interviews are generally conducted via Zoom video conference unless the candidate requests other accommodations. If you believe that you have been the target of an interview/offer scam by someone posing as a representative of ERGO Next Insurance, please do not provide any personal or financial information. You can find additional information about this type of scam and report any fraudulent employment offers via the Federal Trade Commission's website (https://consumer.ftc.gov/articles/job -scams), or you can contact your local law enforcement agency. The range displayed on this job posting reflects the minimum and maximum target for new hire 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. NEXT employees are eligible for 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: $75,000—$105,000 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 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. 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. 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.

Keywords: Next Insurance, Elk Grove , Sr. Claims Advocate, Accounting, Auditing , Palo Alto, California