Sr. Claims Advocate

About Next Insurance

Next Insurance's mission is to help entrepreneurs thrive by building the only technology-led, full-stack provider of small business insurance in the industry. We are transforming the customer experience by taking on the entire value chain. Simply put, wherever you find small businesses, you'll find Next Insurance.

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

Every claim tells a story, and as a Sr. Claims Advocate, 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 remote role is made for you.

What You'll Do as a Sr. Claims Advocate

• 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

• 4+ 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 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 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.

Salary and Benefits

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 Insurance 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. The US Annual Base Salary Range For This Full-time Position is $75,000—$105,000 USD.

Commitment to Diversity & Inclusion

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 Insurance, 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 anyway. 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.

Key skills/competency

• Claims Investigation
• Liability Claims
• Bodily Injury
• Property Damage
• Professional Liability
• Coverage Analysis
• Regulatory Compliance
• Subrogation
• Negotiation Skills
• Customer Service