Insurance Underwriter

Authentic; Dayton (OH); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Comprehensive health benefits for you

401(k) plan with company match

Unlimited PTO

Paid parental leave

Job summary

Authentic is seeking an Underwriter to evaluate and manage commercial insurance risks and strengthen broker partnerships. The role emphasizes owning account submissions, pricing considerations, and timely underwriting solutions in a fast-growing environment.

The ideal candidate has 1–3 years of commercial underwriting experience, strong analytical skills, and the ability to collaborate with sales and carrier partners to drive profitable growth.

Qualifications

• 1–3 years of commercial insurance underwriting experience required.
• Strong understanding of commercial lines underwriting principles and risk evaluation.
• Experience working with retail brokers, MGAs, wholesalers, or carriers.
• Ability to independently manage multiple accounts and priorities in a fast-paced environment.
• Strong analytical, organizational, and decision-making skills.
• Effective verbal and written communication abilities.
• High attention to detail and strong sense of accountability.
• Proficiency with Microsoft Office products and insurance agency/carrier systems.

Responsibilities

• Review and evaluate new and renewal commercial insurance submissions.
• Analyze risk characteristics, loss history, financial information, and underwriting data.
• Assess pricing adequacy, coverage structures, and eligibility guidelines.
• Develop underwriting recommendations and make risk selection decisions within authority levels.
• Communicate proactively with brokers, carrier partners, and internal teams regarding submissions, quotes, renewals, and underwriting requirements.
• Manage accounts through the underwriting lifecycle including quoting, binding, endorsements, and renewals.
• Build and maintain strong broker relationships through responsiveness and service.
• Monitor account profitability and identify exposure trends.
• Maintain accurate underwriting documentation and file management.
• Partner closely with sales leadership to support business development and retention efforts.
• Contribute to underwriting process improvements and operational efficiencies.

Skills

Underwriting

Commercial Lines

Risk Evaluation

Tools

MS Office

Insurance Systems

Job description

Authentic helps insurance brokers create better insurance products for their clients. We provide the technology platform and behind-the-scenes support that lets brokers build custom insurance solutions for specific industries or customer groups. Think of us as the operating system that powers these specialized insurance offerings.For brokers, this means they can offer unique products their competitors don't have, earn more money, and spend less time on paperwork and administrative tasks. We handle the complex (technology, compliance, and partnerships with highly-rated insurance carriers), so they can focus on serving their customers and growing their business.

We are seeking a motivated and analytical Underwriter to join our growing team. This role is ideal for someone with strong commercial insurance experience who is looking to take ownership of accounts, deepen carrier and broker relationships, and contribute to a high-growth organization.

Position Summary

The Underwriter will be responsible for evaluating and managing commercial insurance risks, developing strong broker relationships, and supporting profitable business growth. This individual will review new and renewal submissions, analyze risk exposures, assess pricing and coverage structures, and partner closely with sales and carrier partners to deliver timely underwriting solutions.

The ideal candidate brings a strong understanding of commercial underwriting principles, sound decision-making skills, and the ability to thrive in a collaborative and fast-paced environment.

Key Responsibilities

• Review and evaluate new and renewal commercial insurance submissions
• Analyze risk characteristics, loss history, financial information, and underwriting data
• Assess pricing adequacy, coverage structures, and eligibility guidelines
• Develop underwriting recommendations and make risk selection decisions within authority levels
• Communicate proactively with brokers, carrier partners, and internal teams regarding submissions, quotes, renewals, and underwriting requirements
• Manage accounts through the underwriting lifecycle including quoting, binding, endorsements, and renewals
• Build and maintain strong broker relationships through responsiveness and service
• Monitor account profitability and identify exposure trends
• Maintain accurate underwriting documentation and file management
• Partner closely with sales leadership to support business development and retention efforts
• Contribute to underwriting process improvements and operational efficiencies

Qualifications

• 1–3 years of commercial insurance underwriting experience required
• Strong understanding of commercial lines underwriting principles and risk evaluation
• Experience working with retail brokers, MGAs, wholesalers, or carriers
• Ability to independently manage multiple accounts and priorities in a fast-paced environment
• Strong analytical, organizational, and decision-making skills
• Effective verbal and written communication abilities
• High attention to detail and strong sense of accountability
• Proficiency with Microsoft Office products and insurance agency/carrier systems
• Collaborative mindset with the ability to work cross-functionally

Preferred Experience

• Experience working for an insurance carrier, MGA, wholesaler, or insurtech platform
• Exposure to commercial lines products including General Liability, Property, BOP, Workers Compensation, or Commercial Auto
• Experience in small to middle-market commercial business preferred
• Insurance licensing, coursework, or industry designations are a plus
• Experience working in fast-paced or high-growth environments preferred
• Competitive salary, equity, and role trajectory
• Comprehensive health benefits for you and your family
• 401(k) plan with company match
• Unlimited PTO
• Paid parental leave

About Authentic

Authentic builds the infrastructure that program insurance runs on. We partner with leading brokerages to design and manage custom insurance programs, backed by A and A- rated carriers operating nationwide. Brokers bring the data and distribution. We bring everything else: the technology, the capacity, and the underwriting expertise to stand up specialized programs at speed and build them to last. We’re a Series A company backed by top investors, including FirstMark Capital, Zigg Capital, Slow Ventures, Clocktower, Commerce Ventures, and Altai. We’ve grown over 15x in the past year with a massive market opportunity ahead.

Authentic is committed to building an inclusive working environment regardless of gender, sexual orientation, religion, ethnicity, race, education, age, or other personal characteristics. We believe that people do their best work when they can be themselves, and different perspectives and experiences make us stronger as a team. We’re proud of the supportive and inclusive workplace we're building together and are always working to make it even better.