Insurance Product Manager, WC

Location: Waltham, MA or Palo Alto, CA (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're inviting an experienced and strategic Insurance Product Manager to join our Casualty team. This is a highly visible and cross-functional position focused on delivering and managing best-in-class products across a broad range of business classes. You will shape appetite, pricing, and underwriting rules, and play a key role in helping NEXT expand its platform to serve more complex small businesses. If you get excited about understanding & redesigning pricing, love thinking about risk, and want to work on initiatives that will have a real impact on the industry and the customer - we’d love to talk to you! What You’ll Do: Own ongoing management of our commercial Casualty products, including coverage, pricing, underwriting logic, segmentation, and regulatory compliance. Execute pricing and underwriting improvements by refining appetite, rating plans, forms, and risk selection based on loss drivers and portfolio performance. Partner with Engineering and Technical Product to translate business priorities into shipped product and pricing changes. Support product filings, working with Actuarial and Compliance to bring updates to market. Analyze product and portfolio performance, identify improvement opportunities, and drive measurable impact on growth and loss ratio. Conduct competitive and market resear

Location: Palo Alto, CA or Waltham, MA (hybrid) Small business owners don't have a risk department. They spend their time and energy starting and growing a business. NEXT's mission is to help entrepreneurs thrive, and we're using AI to make business insurance simple, fast, and affordable enough that it never costs them a day of work. We're an AI technology company that happens to also be a fully licensed insurance carrier. Because we're a full-stack carrier, AI isn't a layer bolted onto someone else's product. It's in the underwriting, the pricing, the classification, and increasingly in how the product itself gets built. We're rebuilding the core judgment loops of a hundreds-of-years old industry, and doing it with a lean team, which is exactly why AI matters. We underwrite our own risk, build our own systems, and own the entire value chain, so the product decisions made here show up directly in what a customer pays and how fast they get covered. Since 2016 we've insured hundreds of thousands of small businesses across the country. As a subsidiary of Munich Re and ERGO, our growth is backed by the financial strength of one of the world's leading reinsurance and insurance groups. About the role Business Owner's Policy is our flagship product, and this squad owns it. Today it's run by insurance product managers carrying both the insurance and the technology load. We're hiring a PM to take the technology and GTM half: roadmap, technical solutions, delivery, packaging, design, and channel go-to-market. The IPMs stay the authority on the insurance product itself, from underwriting guidelines to new coverages, limits, and industries. One key part of this job is using AI to grow the product relentlessly. That means AI in the GTM, AI that makes everyone in the squad work more efficiently together, and building tools that help the team build the insurance product itself. We don't care where the leverage comes from. We care tha

Location: Waltham, MA or Palo Alto, CA (hybrid) Small business owners don't have a risk department. They spend their time and energy starting and growing a business. NEXT's mission is to help entrepreneurs thrive, and we're using AI to make business insurance simple, fast, and affordable enough that it never costs them a day of work. We're an AI technology company that happens to also be a fully licensed insurance carrier. Because we're a full-stack carrier, AI isn't a layer bolted onto someone else's product. It's in the underwriting, the pricing, the classification, and increasingly in how the product itself gets built. We're rebuilding the core judgment loops of a hundreds-of-years old industry, and doing it with a lean team, which is exactly why AI matters. We underwrite our own risk, build our own systems, and own the entire value chain, so the product decisions made here show up directly in what a customer pays and how fast they get covered. Since 2016 we've insured hundreds of thousands of small businesses across the country. As a subsidiary of Munich Re and ERGO, our growth is backed by the financial strength of one of the world's leading reinsurance and insurance groups. We're hiring an Digital PR & Partnerships Manager to own how ERGO NEXT shows up everywhere small business owners form opinions about insurance that isn't our own website: mainstream and trade media, buyer guides and listicles, AI answer engines, creator content, Reddit and forums, review platforms and our sports partnerships. This role sits at the intersection of digital PR, editorial outreach, SEO/GEO, influencer marketing and brand reputation. Your mission is simple: identify the publishers, editors, creators and communities that shape how small businesses choose an insurer, build relationships with them and make sure ERGO NEXT is fairly represented — and regularly recommended — when they evaluate providers. Success looks like ERGO NEXT becomi

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 growing fast and looking for an actuary who wants to help shape how we manage our product portfolio, not just analyze it. You will have real autonomy and the latitude to act on your expertise as a trusted partner to our insurance product managers, bringing sound recommendations to leadership backed by rigorous analysis. You will be close to the business day to day, with a clear view of where the line stands and where it is headed, and a direct role in the decisions that shape its growth and profitability. What You’ll Do: Be the #1 subject matter expert at Next related to the pricing of the target product offerings Build and enhance actuarial methodologies around loss ratio forecast, insurance analytics, and P&L management Partner with Insurance Product Managers to drive future product developments Build go-to-market predictive models in Akur8, perform impact analyses, and support product filings Perform competitor and market research Partner with data science and data engineering to enable future-proof data architecture Deliver actuarially sound recommendations to senior management Provide ad hoc support to other business partners, including but not limited to reinsurance, finance, distribution, claims, and growth teams. What You Need: FCAS preferred, ACAS accepted 6+ years of actuarial experience; property & ca

Location: Waltham (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 looking for a motivated Actuarial Analyst to help expand the scope and speed of our actuarial pricing capabilities. In this high visibility and high impact role, you will make data-driven recommendations to guide the pricing of our insurance product suite and drive profitable growth of the company. If you’re eager to be a part of an exciting industry disruptor, then this opportunity is perfect for you! What You’ll Do: Build and maintain rate indication tool for insurance pricing and actuarial reporting Assist in the creation of state filing materials Create and refine frameworks and dashboards to monitor, analyze, and report on historical performance Conduct analyses, generate insights, and translate them to strategic or tactical recommendations Collaborate with NEXT’s insurance product management and filings teams take pricing action and drive profitable growth Be an integral part of the actuarial community, and promulgate best practices Dedication to the Casualty Actuarial Societies’ accreditation exam process with a goal of obtaining your ACAS and FCAS What We Need: BA/BS in actuarial science, statistics, or a quantitative discipline 1+ years of experience in actuarial roles/internship, or completion of a minimum of two CAS examinations (excluding UEC credit) Technical proficiency in MS Office (primarily Excel) and SQL Experience with AI too

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. Our Backend Software Engineer can expect to work with the latest backend technologies and programming languages. We’re big fans of server-side Kotlin, and we produce clean, testable code fast and push it into production several times a day via our CI / CD pipeline. What You’ll Do: You will work closely with other functional areas in the company product, marketing, and front-end engineers to rapidly iterate on our product and find the best solutions to our challenges. You will take ownership of features – from inception through design and coding, eventually bringing your feature to production at a high level of quality and test coverage. What We Need: 6+ years of experience in Backend end-to-end feature and/or product development. B.Sc. in Computer Science or equivalent is a must. Excellent knowledge and understanding of OOP concepts and best practices. Hands-on development of highly distributed, cloud-based environments is an advantage. We work with AWS, but any cloud experience is a plus. Experience working with Relational Databases. Strong SQL skills. Experience with backend feature development in a SaaS environment. Experience with Java, Kotlin, and/or Python is ideal. Adaptable, with a passion for quickly learning new technologies and working effectively in a dynamic environment. Ability to navigate and work effectively across diverse domains a