Commercial Lines Underwriter

About MGT Insurance

MGT is the first AI-driven, neo-insurer focused on evolving commercial P&C insurance for the brokers and small business owners. By combining the expertise of industry veterans with state-of-the-art technology, we are ushering in the next evolution of commercial insurance and working to move the industry forward through the use of modern technology, better processes, and a rock-star team.

What You'll Do

• Risk Evaluation & Decision-Making
• Evaluate and make underwriting decisions on commercial P&C submissions primarily BOP, with exposure to GL, Commercial Property, and Commercial Auto
• Apply MGT's underwriting guidelines to assess risk quality, class eligibility, coverage structure, and pricing appropriateness
• Identify risks that fall outside standard appetite and escalate referrals with a clear, well-reasoned recommendation
• Review renewal accounts for changes in risk profile, loss history, and continued eligibility
• Manage an active book of business with accuracy, speed, and appropriate documentation
• Broker & Distribution Support
• Respond to broker submissions, coverage questions, and quote requests in a timely and professional manner
• Build and maintain productive working relationships with MGT's appointed broker and wholesale partners
• Communicate underwriting decisions clearly — including declinations — with reasoning that helps brokers understand MGT's appetite
• Support Distribution in onboarding new agents and answering appetite and eligibility questions
• Underwriting Quality & Continuous Improvement
• Maintain high underwriting quality: accurate documentation, consistent application of guidelines, and defensible decision rationale
• Participate in file reviews, underwriting audits, and team calibration sessions
• Flag patterns or edge cases that suggest guideline gaps or appetite questions — and bring them to the Underwriting Lead
• Engage actively with MGT's technology platform including Athena AI underwriting agent, policy admin system, and quoting tools as a core part of the daily workflow
• Learning & Development
• Build technical depth across MGT's lines of business through mentorship, file review, and direct exposure to complex risks
• Participate in underwriting training, coverage education, and team knowledge-sharing sessions
• Work toward broader underwriting authority and expanded responsibility over time

We're Looking For

• 3–6 years of commercial P&C underwriting experience
• Carrier or MGA underwriting, small commercial or BOP experience strongly preferred
• Solid foundation in commercial P&C underwriting including BOP structure, class eligibility, basic coverage components, and risk assessment fundamentals
• Experience working within underwriting guidelines and referral frameworks in a carrier or MGA environment
• Comfort managing a book of submissions with accuracy and appropriate prioritization
• Familiarity with ISO forms and standard policy language a strong plus
• Exposure to broker/agent distribution and the dynamics of a quote-and-bind platform helpful
• Openness to working in a technology-forward environment with AI-assisted tools and modern systems

Compensation

The base salary range for this role is $80,000 – $110,000, depending on experience and location, with eligibility for bonus, equity, and a competitive benefits package. The appropriate level will be determined through the interview process.

Why This Role Matters

At MGT, every underwriting decision matters — not just for the individual risk, but for the shape and quality of the book we're building. This role puts you at the center of that work, with direct exposure to a senior underwriting team, a modern technology platform, and a company that is growing fast. For the right person, this is an exceptional place to develop as an underwriter — with real mentorship, meaningful work, and a clear path to broader authority and responsibility over time.

Our Commitment to Diversity, Equity & Inclusion

MGT is proud to be an Equal Opportunity Employer. We do not accept unsolicited resumes from staffing vendors, including recruitment agencies and/or search firms. We reserve the right to modify, interpret, or apply this job description in any way the company deems appropriate.