Farm 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

• Farm Underwriting Authority & Risk Judgment
• Serve as MGT's primary technical underwriter for farm and agribusiness submissions including evaluating risk quality, coverage structure, class eligibility, and pricing appropriateness
• Make independent underwriting decisions on standard and moderately complex farm risks within delegated authority; escalate non-standard or high-complexity risks with a clear recommendation
• Underwrite across the full spectrum of MGT's farm appetite: farm owners, farm property, farm liability, farm auto, and related agribusiness coverages
• Review and assess farm renewal accounts for changes in operation, risk profile, loss history, and continued eligibility
• Stay current on farm market conditions, emerging agricultural risks, weather and climate trends, and competitive dynamics

Guideline & Appetite Ownership

• Own MGT's farm underwriting guidelines while maintaining accuracy, identifying gaps, and proposing updates informed by loss experience and market changes
• Define and document farm-specific appetite parameters: preferred operations, ineligible classes, geographic considerations, and coverage limitations
• Partner with the Senior Lead, Underwriting on farm appetite strategy and what MGT targets, where we compete on selection, and where we tighten
• Develop and maintain farm-specific referral criteria and escalation protocols for complex or non-standard risks
• Contribute farm underwriting logic to Athena, our MGT's AI underwriting agent including appetite rules, class-level guidance, and edge case reasoning

Portfolio Quality & Performance

• Monitor the farm book's performance: loss ratios, class mix, geographic concentration, and underwriting quality on an ongoing basis
• Identify early signals of deterioration, adverse selection, or pricing inadequacy in the farm portfolio and surface them with recommendations
• Partner with Actuarial on farm rate adequacy reviews, loss development, and segment-level profitability analysis
• Support farm-specific reporting and contribute underwriting analysis to portfolio performance reviews
• Participate in reinsurance submissions and treaty discussions as MGT's farm underwriting subject matter expert

Broker & Distribution Partnership

• Build and maintain strong working relationships with MGT's appointed brokers and wholesale partners who specialize in farm and agribusiness
• Communicate farm appetite, eligibility criteria, and coverage positions clearly to agents and brokers including complex declination rationale
• Support Distribution in developing and communicating farm appetite to new and existing broker partners
• Participate in broker calls, agency visits, and market-facing activities as MGT's farm underwriting representative

Cross-Functional Collaboration

• Work closely with the Senior Lead, Underwriting on farm guideline development, portfolio strategy, and appetite decisions
• Collaborate with Operations and Engineering to embed farm underwriting logic into systems, tools, and the Athena AI platform
• Collaborate with Compliance and Legal on farm policy language, state filing requirements, and coverage positions
• Contribute farm perspective to product development, coverage enhancement, and pricing discussions with the Senior Lead, Insurance Product

What We're Looking For

• 7–12+ years of farm and agribusiness underwriting experience
• Carrier or MGA farm underwriting; senior underwriter or farm underwriting specialist experience strongly preferred
• Deep technical expertise in farm and agribusiness underwriting including farm owners, farm property and liability, farm auto, crop, and related agribusiness coverages
• Proven track record managing a farm book of business with accountability for underwriting quality, consistency, and portfolio performance
• Experience developing or contributing to farm underwriting guidelines, appetite frameworks, and referral protocols
• Strong knowledge of agricultural operations, property valuation on farm risks, livestock exposures, and rural liability considerations
• Familiarity with geographic and weather-related risk factors that affect farm underwriting decisions across different regions
• Experience working with broker and wholesale distribution in a farm or agribusiness context
• Comfort operating in technology-forward environments including experience with AI-assisted tools, modern quoting systems, or policy admin platforms

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. We recognize that no candidate will meet every qualification and encourage individuals with relevant experience and interest in the role to apply. Please note: MGT does not accept unsolicited resumes from staffing vendors, including recruitment agencies and/or search firms. Please do not forward resumes to our jobs alias, MGT employees, or any other company location. Any submittals without a prior signed agreement will become property of MGT. Our Commitment to Diversity, Equity & Inclusion At MGT, inclusion drives excellence and belonging sustains it. We believe diverse perspectives make us stronger, more innovative, and more connected to the people we serve. We value every voice, champion equity, and create space where all people can grow and succeed together. Equal Employment Opportunity Statement MGT is proud to be an Equal Opportunity Employer. We do not discriminate in employment opportunities or practices based on race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, genetic information, marital status, military or veteran status, or any other status protected by applicable law. All employment decisions are based on qualifications, merit, and business needs. We are committed to providing reasonable accommodations for qualified individuals with disabilities throughout the application and employment process. If you need assistance or accommodations, please contact us at accommodations@mgtinsurance.com. This job description is intended to outline the general nature and level of work performed by employees in this role. It is not an exhaustive list of all responsibilities, duties, or qualifications required. MGT Insurance reserves the right to modify, interpret, or apply this job description in any way the company deems appropriate.