Quality Analyst

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.

Job Overview: 

The Quality Analyst ensures the accuracy, integrity, and regulatory compliance of General Liability (GL) premium audits across both internal auditors and external vendor partners.  This role specializes in validating complex exposures and classifications, with particular expertise in construction risks, contracting trades and large grocery/retail operations.  The QA II strengthens audit quality, enhances documentation standards, and drives operational improvements through classification governance, technical guidance, and cross-functional collaboration.  The position reflects ERGO NEXT's values of phenomenal service, being unstoppable, daring to simplify and playing as a team.

What You’ll Do: 

• Conduct advanced GL audit reviews for both internal and vendor audits, ensuring consistent quality, accuracy, and compliance across all sources.
• Validate exposure calculations including sales, payroll (as applicable), subcontractor costs, and construction-related labor, materials, and contract values.
• Apply specialized expertise in construction risks (carpentry, remodeling, GC operations, subcontractor structures) and large grocery/retail risks with complex or multi-department operations.
• Confirm accurate classification for multi-class businesses, including retail + installation, service + sales, mixed operations, and diverse construction activities.
• Ensure supporting documentation (COIs, subcontractor lists, sales ledgers, job summaries, financials) fully reconciles with final exposures.
• Review Descriptions of Operations (DOOs) for clarity, completeness, and alignment with exposure and classification determinations—especially for variable risks such as construction and large retail chains.
• Identify misclassifications, documentation gaps, unsupported exposure adjustments, and systemic issues; provide clear, actionable corrective guidance.
• Create and document risk reviews to highlight key operational changes identified during audit, raising potential policy updates or classification revisions to Underwriting as needed.
• Serve as a subject-matter expert (SME) in ISO/GL class codes, construction-related exposures, subcontractor handling, and large multi-department grocery/retail classifications.

What We Need: 

• Bachelor’s Degree in Business, Accounting, Insurance, or related field preferred (or equivalent experience).
• 4–5 years of premium auditing or quality assurance, with a focus on General Liability audits or classification-focused review.
• Advanced understanding of ISO/GL classification rules, subcontractor requirements, and specific GL guidelines.
• Preferred: Specific experience with construction, contractor operations, or large grocery/retail risks.
• Preferred: PAAS TAP, APA, or similar designations.
• Preferred: Additional certifications in GL classification or construction-related auditing are a plus

Unstoppable Qualities: 

• Proficiency with systems such as NEXUS, Insurity, and/or PATS.
• Strong analytical and documentation review skills, including reconciliation of complex exposures and subcontractor structures.
• Ability to interpret policy language, GL endorsements, and classification manuals accurately.
• Excellent written/verbal communication, especially when delivering technical feedback to internal and vendor auditors.
• High attention to detail, strong organizational discipline, and consistent application of documentation and audit standards.
• Ability to influence improvements across teams and collaborate effectively with Product, Engineering, Compliance, and Audit Operations.

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. 

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. 

The range displayed on this job posting reflects the minimum and maximum target for new hire hourly rates 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 hourly range for this full-time position:$31—$42.06 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.