Commercial Lines Underwriter

About MGT InsuranceMGT 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. We seek visionary leaders who thrive in dynamic, entrepreneurial settings, and excel in autonomous roles.What You'll DoRisk Evaluation & Decision-MakingEvaluate and make underwriting decisions on commercial P&C submissions primarily BOP, with exposure to GL, Commercial Property, and Commercial AutoApply MGT's underwriting guidelines to assess risk quality, class eligibility, coverage structure, and pricing appropriatenessIdentify risks that fall outside standard appetite and escalate referrals with a clear, well-reasoned recommendationReview renewal accounts for changes in risk profile, loss history, and continued eligibilityManage an active book of business with accuracy, speed, and appropriate documentationBroker & Distribution SupportRespond to broker submissions, coverage questions, and quote requests in a timely and professional mannerBuild and maintain productive working relationships with MGT's appointed broker and wholesale partnersCommunicate underwriting decisions clearly — including declinations — with reasoning that helps brokers understand MGT's appetiteSupport Distribution in onboarding new agents and answering appetite and eligibility questionsUnderwriting Quality & Continuous ImprovementMaintain high underwriting quality: accurate documentation, consistent application of guidelines, and defensible decision rationaleParticipate in file reviews, underwriting audits, and team calibration sessionsFlag patterns or edge cases that suggest guideline gaps or appetite questions — and bring them to the Underwriting LeadEngage actively with MGT's technology platform including Athena AI underwriting agent, policy admin system, and quoting tools as a core part of the daily workflowLearning & DevelopmentBuild technical depth across MGT's lines of business through mentorship, file review, and direct exposure to complex risksParticipate in underwriting training, coverage education, and team knowledge-sharing sessionsWork toward broader underwriting authority and expanded responsibility over timeWhat We're Looking For3–6 years of commercial P&C underwriting experienceCarrier or MGA underwriting, small commercial or BOP experience strongly preferredSolid foundation in commercial P&C underwriting including BOP structure, class eligibility, basic coverage components, and risk assessment fundamentalsExperience working within underwriting guidelines and referral frameworks in a carrier or MGA environmentComfort managing a book of submissions with accuracy and appropriate prioritizationFamiliarity with ISO forms and standard policy language a strong plusExposure to broker/agent distribution and the dynamics of a quote-and-bind platform helpfulOpenness to working in a technology-forward environment with AI-assisted tools and modern systemsTraits We ValueTechnically curious. You want to understand why a guideline exists, not just follow it. You ask good questions and look for the reasoning behind coverage decisions.Ownership mindset. You treat your book like it's yours. You're accurate, thorough, and don't let things fall through the cracks.Broker-focused. You understand that MGT's broker partners are the channel through which we grow, and you treat every interaction as a reflection of MGT's reputation.Growth-oriented. You're building toward broader underwriting authority and want to develop technically, not just maintain the status quo.Platform-native. You're comfortable using technology as a core part of how you underwrite — not a workaround, but a real tool.CompensationBase Salary: $80,000 – $125,000, commensurate with experience and locationEquity: Meaningful equity participation as we want you to build with us, not just for usBenefits: Comprehensive health, dental, and vision; 401(k); flexible PTOWhy This Role MattersAt 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.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 & InclusionAt 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 StatementMGT 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 View email address on click.appcast.io 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.