Underwriter

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 3–7 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 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 is transforming how insurance is distributed. We design and power custom insurance programs, helping brokers and partners unlock better economics and deliver a modern, tech-enabled experience to their clients. 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 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.