Property Underwriter

Authentic•Dayton, OH

9h•$75,000

About The Position

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.

Requirements

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

Nice To Haves

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

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