Minimum 5 years of E&S commercial insurance underwriting experience, ideally 7+ years.
Strong technical risk analysis skills with the capacity to operate in a binding authority role.
Proven ability to engage with AI tools and tech-forward underwriting platforms.
Demonstrated collaboration across functions with the ability to influence without authority.
Entrepreneurial spirit with a builder's mentality and comfort in ambiguous situations.
Responsibilities
Manage and expand a book of E&S business focusing on quality and sustainable loss performance.
Assess, price, and structure risk across various commercial lines efficiently.
Build strong relationships with brokers, responding quickly to capture business opportunities.
Collaborate with product and tech teams to integrate underwriting logic into AI systems.
Analyze portfolio trends and contribute to guideline development to avoid adverse selection.
Serve as an advisor on escalated or complex risks, offering coverage guidance.
Benefits
Comprehensive health, dental, and vision coverage.
401(k) plan with employer contributions.
Flexible PTO allowing for a healthy work-life balance.
Meaningful equity participation to align growth with employee ownership.
Full Job Description
MGT is hiring for an E&S Underwriter. This is not a plug-and-play underwriting role. It's an opportunity to join a small, highly empowered team building a modern E&S platform in one of the fastest-growing segments of the market - and to do it on a foundation of AI-native tooling that most carriers are still years from deploying.
You'll have real ownership: managing a portfolio, assessing and pricing risk, recognizing exposures, structuring thoughtful coverage solutions, and partnering closely with our broker network to grow profitable, sustainable business. Your decisions matter - and you'll be accountable for outcomes.
We're looking for someone who enjoys problem-solving, thrives in ambiguity, and has a strong bias for action. If you're excited by the idea of building from the ground up and have felt frustrated by the slow pace of change at larger institutions, this role was written for you.
What You'll Own
Manage and grow an E&S book of business across small commercial lines, with a focus on underwriting quality and sustainable loss performance
Assess, price, and structure risk across a broad appetite from BOP, GL, commercial property, and adjacent lines with judgment and speed
Partner with our broker network to build relationships, communicate appetite clearly, and respond to submissions with the urgency that wins business
Collaborate with the product and technology teams to encode underwriting logic into MGT's AI agent(s) and translating your judgment into scalable rules and decision frameworks
Identify portfolio trends, flag adverse selection, and contribute to appetite refinement and guideline development
Serve as a resource for escalated or complex risks, providing coverage guidance and underwriting rationale
What You Bring
Experience: Minimum 5 years underwriting E&S commercial insurance, ideally 7+. Candidates with 5+ years brokering E&S commercial lines will be considered where technical risk analysis skills are strong and the candidate has operated in a binding authority capacity
Technical fluency: Demonstrated ability to work with AI tools, modern underwriting platforms, and tech-forward systems. Early adopter mentality is a must - this role expects active engagement with new technology, not tolerance of it
Cross-functional range: Proven ability to collaborate across functions - including product and technology - with the credibility to influence without authority
Builder's mentality: Strong bias for action, comfort with ambiguity, and genuine excitement about building something new. No two days look the same at an AI-native insurer, and the right candidate finds that energizing, not exhausting
Nice to Have
Experience at an early-stage insurtech, MGA, or program carrier
Background in E&S wholesale distribution or binding authority operations
Prior entrepreneurial experience, insurance-related or otherwise
Compensation
Base Salary: $80,000 - $125,000, commensurate with experience and location
Equity: Meaningful equity participation as we want you to build with us, not just for us
Benefits: Comprehensive health, dental, and vision; 401(k); flexible PTO
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.
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.
