E&S Underwriter

MGT Insurance•Madison, WI

1d•$130,000 - $170,000

About The Position

MGT Insurance is seeking an E&S Underwriter to join their AI-driven, neo-insurer focused on evolving commercial P&C insurance. This role offers the opportunity to be part of a small, highly empowered team building a modern E&S platform using AI-native tooling. The underwriter will have ownership of a portfolio, assess and price risk, recognize exposures, structure coverage solutions, and partner with brokers to grow profitable business. The ideal candidate enjoys problem-solving, thrives in ambiguity, and has a strong bias for action, with excitement for building from the ground up.

Requirements

Minimum 5 years underwriting E&S commercial insurance, ideally 7+
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
Proven ability to collaborate across functions — including product and technology — with the credibility to influence without authority
Strong bias for action, comfort with ambiguity, and genuine excitement about building something new

Nice To Haves

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
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

Responsibilities

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