Authentic is an insurance program infrastructure provider that enables partners to launch and operate embedded commercial insurance programs—managing underwriting, filings, reinsurance/capitalization, claims and servicing—while providing software to quote, bind, and manage policies.
Published Oct 9, 2026
| Starting Price | Not publicly posted; quote-based; may include service fees separate from premium | Vendor publishes entry pricing guidance for some business classes (actual pricing varies by class and coverage) | Quote-based marketplace/broker model (pricing varies by carrier and program) |
| Best For | SaaS/franchisors/communities seeking embedded insurance and program economics (including captive participation) | SMBs seeking direct online purchase and policy management with published pricing guidance | SMBs seeking a brokerage marketplace with multiple carrier options and assisted shopping |
| Key Strength | Program infrastructure for embedded distribution; claims/servicing features and automated policy servicing workflows | Consumer-facing online quoting and COI workflows; visibility into entry pricing | Access to multiple carriers through a broker marketplace; assistance navigating options |
| Key Weakness | Limited third-party review presence; public security certifications not clearly documented; pricing opacity; captive complexity | May not support embedded/captive economics desired by platform partners; industry/state limitations may apply | Business unit strategic shifts have been reported; experience and outcomes depend on selected carrier |
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Where Authentic is positioned to be appropriate
Where alternatives may be preferable
Adoption/market signals