Commercial Lines Underwriter

MGT Insurance•Denver, CO

About The Position

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

Requirements

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
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.

Responsibilities

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
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
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
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