Property Underwriter

Authentic; Dayton (OH); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health benefits

401(k) match

Unlimited PTO

Paid parental leave

Job summary

Authentic is seeking a Property Underwriter to evaluate and manage commercial property risks, build broker relationships, and support profitable growth. You will review submissions, analyze COPE factors, and shape pricing and coverage strategies while collaborating with sales and carrier partners to deliver timely underwriting solutions.

As Authentic expands its in-house property capability, you will help define guidelines, workflows, and standards from day one, complementing the existing middle

Qualifications

• 4+ years of commercial property underwriting experience preferred.
• Strong understanding of commercial property 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.
• Highly organized with strong analytical and communication skills.

Responsibilities

• Review and evaluate new and renewal commercial property 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 with brokers, carrier partners, and internal teams regarding submissions and requirements.
• Manage accounts through underwriting lifecycle including quoting, binding, endorsements, and renewals.
• Build broker relationships through responsiveness and service.
• Monitor account profitability and identify exposure trends.
• Maintain accurate underwriting documentation and file management.
• Partner with sales leadership to support business development and retention.

Skills

Analytical skills

Organizational skills

Decision making

Verbal and written communication

Attention to detail

Cross-functional collaboration

Tools

Microsoft Office

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.

The Property Underwriter will be responsible for evaluating and managing commercial property insurance risks, developing strong broker relationships, and supporting profitable business growth. This individual will review new and renewal submissions, analyze risk exposures (including property-specific factors such as construction, occupancy, protection, and exposure), assess pricing and coverage structures, and partner closely with sales and carrier partners to deliver timely underwriting solutions.As Authentic builds out its in-house property capability, this role will help shape underwriting guidelines, workflows, and standards from the outset, complementing our existing middle market GL business.

Key Responsibilities

• Review and evaluate new and renewal commercial property submissions
• Analyze risk characteristics, loss history, financial information, and underwriting data, with particular attention to property exposure (COPE) factors
• 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
• Help shape underwriting guidelines and processes as Authentic builds its in-house property program
• Contribute to underwriting process improvements and operational efficiencies

Qualifications

• 4+ years of commercial property underwriting experience preferred
• Strong understanding of commercial property 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 property, BOP, inland marine, or IPP products
• 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.