---
title: 'Middle-Market Underwriter at Authentic'
canonical: 'https://feeny.ai/job/middle-market-underwriter-authentic-dayton-ohio-bh12n26fkqff'
type: 'job'
last_seen: '2026-09-07'
---

# Middle-Market Underwriter at Authentic

- **Company:** Authentic
- **Location:** Dayton Ohio, United States
- **Posted:** 2026-09-01
- **Last confirmed live:** 2026-09-07
- **Apply:** https://job-boards.greenhouse.io/authenticinsurance/jobs/4391539009

## 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 Middle Market GL 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. The Underwriter will be responsible for evaluating and managing middle market 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, fast-paced environment.

## Key Responsibilities

- Review and evaluate new and renewal middle market 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

- 4+ years of commercial insurance underwriting experience preferred
- Strong understanding of General Liability and middle market commercial lines underwriting principles
- 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

Our (FTE) benefits

- 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.

## About Authentic

## Company Overview
- **One-liner**: Authentic provides technology infrastructure that enables insurance brokers to design, manage, and distribute custom, tech-enabled insurance programs.
- **Entity Type**: Private (Seed and Series A funded)
- **Headquarters**: New York City, New York, United States
- **Founded**: Not publicly available (earliest known funding round in 2022)
- **Founders**: Cole Riccardi (CEO & Cofounder), Kyle Babirad (COO & Cofounder), Saravana Kumar (CTO & Cofounder)

## Core Business
- **Primary industry**: Insurance technology (program insurance, captive insurance, specialty commercial insurance)
- **Target customers**: B2B – insurance brokers, carrier partners, and community organizations (associations, SaaS companies, affinity groups)
- **Mission or purpose**: “Powering the future of program insurance” – helping brokers create tailored, proprietary insurance products with better economics and less administrative friction.

## Products & Services
- **Authentic Platform (Program Insurance OS)**: An end-to-end insurance program management solution that includes a rate-quote-bind engine, compliance support, and partnerships with A- and A-rated carriers. Brokers use it to launch and manage specialized programs, earning higher commissions (25% on average) while carriers improve margins. [authenticinsurance.com](https://authenticinsurance.com/)
- **Captive Insurance Programs**: A service that allows community leaders (e.g., associations, SaaS platforms) to launch captive insurance programs, returning insurance to its roots of pooled risk within a community. [builtin.com](https://builtin.com/company/authentic-authenticinsurancecom)

## Market Standing
- **Valuation**: Not disclosed
- **Key Metrics**:
  - Annual Revenue: $2.1M (estimated) [linkedin.com](https://www.linkedin.com/company/authentic-insurance)
  - Total Funding: $20.5M across three rounds (Seed 2022: $4.0M, Seed 2023: $5.5M led by Slow Ventures, Series A 2024: $11.0M led by FirstMark) [linkedin.com](https://www.linkedin.com/company/authentic-insurance)
- **Notable Investors/Partners**: Slow Ventures, FirstMark, and other undisclosed investors; partners with A/A- rated carriers nationwide.
- **Growth Signals**:
  - Headcount grew 123.1% year-over-year (from ~17 to 38 employees) [linkedin.com](https://www.linkedin.com/company/authentic-insurance)
  - Active job postings: 12 (as of mid-2025), with a 33.3% monthly increase in listings [linkedin.com](https://www.linkedin.com/company/authentic-insurance)
  - Offices in New York City (HQ) and Dayton, Ohio; expanding into healthcare underwriting programs.

## Competitive Advantages
- **Tech-enabled infrastructure**: The only end-to-end program management platform built for speed, scale, and customization – reduces friction for brokers and carriers.
- **Vertical specialization**: Programs are built in verticals where Authentic delivers real competitive advantage in form, pricing, and compliance.
- **Better economics**: Brokers earn 25% higher commissions on average; carriers improve margins through data-driven underwriting.
- **Experienced leadership team**: Blend of insurance entrepreneurs, seasoned technologists, and finance operators who “genuinely love insurance” and are committed to long-term value creation. [authenticinsurance.com/who-we-are](https://authenticinsurance.com/who-we-are)

## Strategic Focus
- **Program insurance as a structural shift**: Authentic believes specialized programs are not a trend but the new unit of progress in commercial insurance.
- **Expanding into new verticals**: Currently hiring a Program Manager for Healthcare Underwriting, indicating a push into healthcare-related insurance programs.
- **Continuous platform investment**: Hiring software engineers in data, platform, and product to further develop the technology stack (PostgreSQL, Snowflake, Python, TypeScript, React, etc.). [job-boards.greenhouse.io/authenticinsurance](http://job-boards.greenhouse.io/authenticinsurance)

## Why Work Here
- **Culture**: Described as a “unique blend of insurance entrepreneurs, seasoned technologists, and finance-minded operators” who are deeply passionate about the craft of insurance. [authenticinsurance.com/who-we-are](https://authenticinsurance.com/who-we-are)
- **Work environment**: In-office roles in New York City (HQ) and Dayton, Ohio. The company emphasizes in-person collaboration. [builtin.com](https://builtin.com/company/authentic-authenticinsurancecom)
- **Growth stage**: Rapidly scaling (123% headcount growth) with significant funding runway – offers early-stage impact with established backing.
- **Engineering focus**: Strong technical roles available (Software Engineer – Data, Platform, Product) with a modern stack; the team is building infrastructure that directly impacts the economics of insurance.
- **Notable perks**: Not explicitly detailed, but the company offers the chance to work on “one simple, powerful OS” that is reshaping a multi-trillion-dollar industry.

## Sources
1. [authenticinsurance.com](https://authenticinsurance.com/)
2. [authenticinsurance.com/who-we-are](https://authenticinsurance.com/who-we-are)
3. [job-boards.greenhouse.io/authenticinsurance](http://job-boards.greenhouse.io/authenticinsurance)
4. [linkedin.com/company/authentic-insurance](https://www.linkedin.com/company/authentic-insurance)
5. [builtin.com/company/authentic-authenticinsurancecom](https://builtin.com/company/authentic-authenticinsurancecom)

## Other roles at Authentic

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- [Pricing Actuary](https://feeny.ai/job/pricing-actuary-authentic-dayton-ohio-n4dfa72synxz) — Dayton Ohio, United States
- [Technical Talent Partner (Contract to Hire)](https://feeny.ai/job/technical-talent-partner-contract-to-hire-authentic-new-york-new-york-23skdjh0jhm2) — New York New York, United States
- [Director of Brokerage Partnerships](https://feeny.ai/job/director-of-brokerage-partnerships-authentic-dayton-ohio-qbk267ed3stc) — Dayton Ohio, United States / New York New York, United States
- [Sales Associate](https://feeny.ai/job/sales-associate-authentic-new-york-new-york-4cz124rhn7jr) — New York New York, United States
- [Software Engineer - Product](https://feeny.ai/job/software-engineer-product-authentic-new-york-new-york-ddsm5jjbp4pn) — New York New York, United States
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