Insurer guide
Authentic Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Authentic. This page lists the Authentic coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Authentic. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Authentic if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Authentic coverage and states available through our agency
The table shows each Authentic coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Commercial General Liability | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Business owner’s policy (BOP) | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Excess Liability | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a Authentic quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the business operates.
- A licensed agent reviews whether Authentic is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Attune, Hanover, Coterie, Hiscox, Foxquilt, biBerk, Next, Thimble.
Who Authentic is
Authentic is a commercial MGA focused on program insurance, according to First Connect. It's based in New York. Its developer docs say it has offices in New York City and Dayton.
Cole Riccardi (CEO) and Kyle Babirad founded Authentic in 2022, according to Fortune. It started as a "captive in a box" platform. That let software platforms and associations launch their own insurance programs for their members.
We couldn't verify Authentic's legal entity name.
A post on Authentic's blog describes its "MGA factory." It sells programs for specific business types through its own portal and partner software.
Who issues Authentic policies
Authentic's developer docs name Everspan Insurance Company as the insurer for its admitted products. The docs describe Everspan as "A- rated by AM Best." We didn't verify Everspan's current rating. Authentic's blog also says it has "admitted paper."
The docs name other partners, too:
- AmTrust, for added lines such as workers' comp and cyber.
- Greenlight Re, as reinsurer.
- Reserv, as the claims administrator.
First Connect's re-launch notes mention business personal property limits "up to $500K with Everspan, or up to $1M with STAR." STAR may be Star Insurance Company, an AmeriTrust Group member. AM Best upgraded Star to A (Excellent) on May 2, 2024. But no Authentic page ties "STAR" to that company, so we couldn't verify it.
What Authentic offers
According to First Connect, Authentic offers general liability, professional liability and property coverage for these business types:
- Restaurants.
- Fitness businesses.
- Vape shops.
- Main Street commercial classes.
Grocery came up in the portal walkthrough. An umbrella product was described as "expected in the coming weeks." We couldn't confirm whether it has launched.
Authentic re-launched on First Connect in all 50 states on April 15, 2026.
How Authentic sells
Authentic sells two ways:
- Through independent agents, on its own portal.
- Embedded in software platforms. Fortune named Mindbody, Restaurant365, theCut and PushPress as partners.
The embedded model means you might see an Authentic quote inside the software you use to run your gym or restaurant. If you do, read it with the same care as a policy from an agent.
Authentic news, 2024 to 2026
- 2022: $5.5 million seed round, according to Fortune.
- May 29, 2024: $11 million Series A led by FirstMark Capital.
- April 15, 2026: re-launched on First Connect in all 50 states.
What to check before you buy Authentic
- The insurer. Is it Everspan, STAR or another company? Check that company's rating.
- Property limits. BPP limits differ by insurer. Confirm yours covers your equipment and stock.
- Your class. Make sure your business type matches the program.
- Added lines. If you add workers' comp or cyber, it may come from AmTrust. Check that policy separately.
- Claims. Know that Reserv may handle your claim, and how to reach it.
- Umbrella. If you need higher liability limits, ask whether Authentic's umbrella product is available yet.
Sources for the sections above: Authentic: developer docs; Authentic blog: Authentic's MGA factory; Fortune: Authentic raises $11 million Series A (2024) (secondary); Business Wire: AM Best upgrades ratings of AmeriTrust Group members (2024); First Connect: Authentic re-launch session (secondary).
Authentic FAQs
Can Blake Insurance Group quote Authentic?
Yes. Our agency currently has access to quote Authentic for the coverage types and states listed on this page. Access can change, and Authentic decides whether to offer a policy.
Which states can you quote Authentic in?
Of the 24 states where we are licensed, we can currently quote Authentic in AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Authentic with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Authentic decides eligibility, pricing and whether to issue a policy.
Trademarks. Authentic and other company names are trademarks of their owners. This page is not published or endorsed by Authentic.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Authentic and other options available to you.