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. We seek visionary leaders who thrive in dynamic, entrepreneurial settings, and excel in autonomous roles.

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

What 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

Traits We Value

Technically 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.

Compensation

Base Salary: $80,000 – $125,000, commensurate with experience and location