Senior Claims Specialist

Authentic; Dayton (OH); On-site; USD 95,000 - 135,000; 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 a tech-enabled MGA building and managing specialized insurance programs nationwide. We design programs, back them with solid platforms, and collaborate with brokers, carriers, and TPA partners to oversee complex claims.

We are seeking a Senior Claims specialist to strengthen oversight of complex commercial liability claims. This role reports to the Head of Claims and requires 6+ years of hands-on claims experience, with strong GL/Bodily Injury expertise and excellent communication

Qualifications

• 6+ years of commercial claims experience, including complex or litigated files.
• Strong experience in GL, bodily injury, construction defect or other high-exposure liability.
• Ability to assess liability, coverage, reserves, and settlement exposure and explain directions of claims.
• Experience working with defense counsel, adjusters, brokers, or carrier partners.
• Strong written and verbal communication; able to present recommendations independently.

Responsibilities

• Review complex and litigated commercial claims with our TPA partner, assessing liability, coverage, reserves and settlement exposure.
• Monitor litigation developments and explain claim trajectories from defense through mediation and trial.
• Evaluate handling and defense strategy, flag files not progressing adequately.
• Identify emerging exposures early and elevate them with clear, well-supported recommendations.
• Present findings and recommendations to Head of Claims for final reserve and settlement decisions.
• Coordinate with TPA adjusters, defense counsel, brokers, and carrier partners to keep claims on track.
• Help strengthen oversight of claim handling across our TPA relationship.

Skills

Litigation experience

Commercial liability claims

Communication skills

Independent judgment

Cross-functional collaboration

Job description

Authentic is a tech-enabled MGA (managing general agent). We design and run insurance programs for specific kinds of businesses, like restaurants, gyms, and power producers. Brokers bring us the businesses that need coverage, and carriers back our policies. Every program runs on a platform we built ourselves, and we own every line of code behind it. Engineers and insurance experts build it side by side in New York and Dayton, Ohio. Since our founding in 2022, we’ve grown to 80+ people and been named to the 2026 CB Insights Insurtech 50.

We are looking for a Senior Claims specialist to strengthen oversight for our complex commercial liability claims. This is a new role reporting directly to our Head of Claims.

What you'll do

• Review complex and litigated commercial claims handled by our TPA partner, assessing liability, coverage, reserves, and settlement exposure.
• Monitor litigation developments and explain where each claim is heading, from early defense strategy through mediation and trial.
• Evaluate claim handling and defense strategy, and flag files that aren't progressing appropriately.
• Identify emerging exposures early and elevate them with clear, well-supported recommendations.
• Present findings and recommendations to the Head of Claims, who makes final reserve and settlement decisions.
• Work with TPA adjusters, defense counsel, brokers, and carrier partners to keep claims on track.
• Help strengthen how we oversee claim handling across our TPA relationship.

What you'll bring

• 6+ years of commercial claims experience, with substantial hands‑on work on complex or litigated claims. We're flexible on years for candidates who can clearly demonstrate strong litigation experience.
• Strong experience in commercial GL, bodily injury, construction defect, or other high‑exposure liability claims.
• The ability to evaluate liability, coverage, reserves, litigation strategy, and settlement exposure, and to explain where a claim is heading.
• Experience working with defense counsel, adjusters, brokers, or carrier partners.
• Strong communication and analytical skills, with the confidence to review claims independently and present recommendations.
• An active adjuster license where required.

Nice to have

• Legal education (a plus, not required).
• 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.