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About the Role

MGT Insurance is seeking a Senior Lead, Underwriting to be the primary underwriting authority, defining the company's underwriting strategy, appetite, and guidelines across various commercial P&C lines. This role involves shaping how MGT underwrites, manages risk, and ensures consistency, reporting to the Head of Insurance Product & UW.

Responsibilities

• Author, maintain, and evolve underwriting guidelines across BOP, Commercial Auto, Farm, Property, and General Liability.
• Define and document MGT's risk appetite, including target segments, avoided risks, and competitive positioning.
• Establish and maintain underwriting authority matrices for consistent application across markets.
• Own the referral and exception framework, defining escalation processes and documentation standards.
• Drive regular guideline reviews based on loss experience, market shifts, and reinsurance requirements.
• Serve as the authoritative voice on coverage questions, including policy language, exclusions, endorsements, and manuscript forms.
• Partner with forms and compliance on SERFF filings, ISO deviation analysis, and non-standard coverage structures.
• Review and opine on complex or non-standard submissions outside standard guidelines.
• Provide technical UW input to the Athena AI underwriting agent, including coverage interpretation and edge case reasoning.
• Own the underwriting quality program, including file audits, bind reviews, renewal screenings, and adverse selection monitoring.
• Partner with actuarial and data teams on rate adequacy, loss ratio analysis, and profitability assessment.
• Identify guideline gaps or adverse trends and drive corrective actions.
• Contribute to reinsurance submissions and treaty discussions with a technical UW perspective.
• Collaborate with product managers on new program design, coverage enhancements, and schedule rating logic.
• Provide UW input on filed rate changes, classification reviews, and ISO circular adoption.
• Translate underwriting logic into system rules, Athena prompts, and appetite gate criteria.
• Participate in carrier partner reviews, reinsurance meetings, and regulatory audits as the technical UW lead.
• Serve as the primary underwriting subject matter expert for Athena, MGT’s AI underwriting agent.
• Author and maintain UW agent prompts, translating guidelines and coverage intent into AI instructions.
• Review Athena outputs to identify misapplied appetite or gaps in reasoning, iterating on agent instructions.
• Partner with engineering and product on new agent capabilities, including referral routing and coverage recommendations.
• Establish quality benchmarks and review cadences for AI-assisted decisions.
• Mentor and develop underwriting staff, building technical depth and consistent judgment.
• Create and maintain internal UW training resources, decision frameworks, and coverage interpretation guides.
• Champion a culture of underwriting rigor, intellectual honesty, and continuous learning.

Requirements

• 10+ years of commercial P&C underwriting experience with technical depth across at least three of: BOP, Commercial Auto, Farm, General Liability, or Commercial Property.
• Demonstrated experience authoring or substantially revising underwriting guidelines at a carrier or program level.
• Deep knowledge of ISO forms, coverage structure, and the interplay between policy language and loss outcomes.
• Admitted market experience: state-filed rates, SERFF, ISO deviation, and regulatory compliance expectations.
• Strong analytical instincts — comfortable reading loss runs, evaluating portfolio mix, and spotting adverse selection patterns.
• Clear, precise communicator — able to make complex coverage questions legible to engineers, product managers, and agents alike.

Skills

• Underwriting guidelines authoring
• Risk appetite definition
• Underwriting authority matrices
• Referral and exception management
• Coverage interpretation
• Forms and compliance
• Underwriting quality programs
• Loss analytics
• Product and pricing collaboration
• AI underwriting agent expertise
• Mentoring and staff development
• Training resource creation
• E&S / surplus lines experience (Strong Plus)
• Farm or agribusiness underwriting background (Strong Plus)
• Reinsurance submissions (Strong Plus)
• Working in tech-forward environments (Strong Plus)
• CPCU, AU, or equivalent professional designation (Strong Plus)

Experience Level

• Senior Lead
• 10+ years

Salary/Compensations

• $160,000 - $220,000 annual base salary + bonus + equity

About the Company

• MGT is the first AI-driven, neo-insurer focused on evolving commercial P&C insurance for brokers and small business owners.
• Combines industry veteran expertise with state-of-the-art technology.
• Ushering in the next evolution of commercial insurance.
• Seeks visionary leaders who thrive in dynamic, entrepreneurial settings and excel in autonomous roles.

Equal Opportunity

• 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.