Farm Underwriter

MGT Insurance•Denver, CO

1d•$80,000 - $110,000

About The Position

Farm Underwriting Authority & Risk Judgment Serve as MGT's primary technical underwriter for farm and agribusiness submissions including evaluating risk quality, coverage structure, class eligibility, and pricing appropriateness Make independent underwriting decisions on standard and moderately complex farm risks within delegated authority; escalate non-standard or high-complexity risks with a clear recommendation Underwrite across the full spectrum of MGT's farm appetite: farm owners, farm property, farm liability, farm auto, and related agribusiness coverages Review and assess farm renewal accounts for changes in operation, risk profile, loss history, and continued eligibility Stay current on farm market conditions, emerging agricultural risks, weather and climate trends, and competitive dynamics Guideline & Appetite Ownership Own MGT's farm underwriting guidelines while maintaining accuracy, identifying gaps, and proposing updates informed by loss experience and market changes Define and document farm-specific appetite parameters: preferred operations, ineligible classes, geographic considerations, and coverage limitations Partner with the Senior Lead, Underwriting on farm appetite strategy and what MGT targets, where we compete on selection, and where we tighten Develop and maintain farm-specific referral criteria and escalation protocols for complex or non-standard risks Contribute farm underwriting logic to Athena our MGT's AI underwriting agent including appetite rules, class-level guidance, and edge case reasoning Portfolio Quality & Performance Monitor the farm book's performance: loss ratios, class mix, geographic concentration, and underwriting quality on an ongoing basis Identify early signals of deterioration, adverse selection, or pricing inadequacy in the farm portfolio and surface them with recommendations Partner with Actuarial on farm rate adequacy reviews, loss development, and segment-level profitability analysis Support farm-specific reporting and contribute underwriting analysis to portfolio performance reviews Participate in reinsurance submissions and treaty discussions as MGT's farm underwriting subject matter expert Broker & Distribution Partnership Build and maintain strong working relationships with MGT's appointed brokers and wholesale partners who specialize in farm and agribusiness Communicate farm appetite, eligibility criteria, and coverage positions clearly to agents and brokers including complex declination rationale Support Distribution in developing and communicating farm appetite to new and existing broker partners Participate in broker calls, agency visits, and market-facing activities as MGT's farm underwriting representative Cross-Functional Collaboration Work closely with the Senior Lead, Underwriting on farm guideline development, portfolio strategy, and appetite decisions Partner with Operations and Engineering to embed farm underwriting logic into systems, tools, and the Athena AI platform Collaborate with Compliance and Legal on farm policy language, state filing requirements, and coverage positions Contribute farm perspective to product development, coverage enhancement, and pricing discussions with the Senior Lead, Insurance Product

Requirements

7–12+ years of farm and agribusiness underwriting experience
Carrier or MGA farm underwriting; senior underwriter or farm underwriting specialist experience strongly preferred
Deep technical expertise in farm and agribusiness underwriting including farm owners, farm property and liability, farm auto, crop, and related agribusiness coverages
Proven track record managing a farm book of business with accountability for underwriting quality, consistency, and portfolio performance
Experience developing or contributing to farm underwriting guidelines, appetite frameworks, and referral protocols
Strong knowledge of agricultural operations, property valuation on farm risks, livestock exposures, and rural liability considerations
Familiarity with geographic and weather-related risk factors that affect farm underwriting decisions across different regions
Experience working with broker and wholesale distribution in a farm or agribusiness context
Comfort operating in technology-forward environments including experience with AI-assisted tools, modern quoting systems, or policy admin platforms a strong plus

Nice To Haves

Farm-native. You understand agricultural operations, property, and liability from the ground up and not just from a coverage form. You know what you're looking at when you evaluate a farm risk.
Technically authoritative. Brokers, product managers, and engineers come to you with hard farm questions. Your answers are clear, reasoned, and hold up to scrutiny.
Portfolio thinker. You don't just evaluate individual risks. You think about the cumulative shape of the farm book including geographic concentration, operation mix, weather exposure and you manage accordingly.
Builder. You're energized by the opportunity to strengthen and grow MGT's farm program including guidelines, appetite, AI logic, broker relationships rather than maintain what already exists.
High ownership. You take accountability for the quality and performance of the farm book. You identify gaps, raise them, and drive toward solutions.
Growth-oriented. You want to grow into broader underwriting leadership over time and see MGT as the right place to do it.

Responsibilities

Serve as MGT's primary technical underwriter for farm and agribusiness submissions including evaluating risk quality, coverage structure, class eligibility, and pricing appropriateness
Make independent underwriting decisions on standard and moderately complex farm risks within delegated authority; escalate non-standard or high-complexity risks with a clear recommendation
Underwrite across the full spectrum of MGT's farm appetite: farm owners, farm property, farm liability, farm auto, and related agribusiness coverages
Review and assess farm renewal accounts for changes in operation, risk profile, loss history, and continued eligibility
Stay current on farm market conditions, emerging agricultural risks, weather and climate trends, and competitive dynamics
Own MGT's farm underwriting guidelines while maintaining accuracy, identifying gaps, and proposing updates informed by loss experience and market changes
Define and document farm-specific appetite parameters: preferred operations, ineligible classes, geographic considerations, and coverage limitations
Partner with the Senior Lead, Underwriting on farm appetite strategy and what MGT targets, where we compete on selection, and where we tighten
Develop and maintain farm-specific referral criteria and escalation protocols for complex or non-standard risks
Contribute farm underwriting logic to Athena our MGT's AI underwriting agent including appetite rules, class-level guidance, and edge case reasoning
Monitor the farm book's performance: loss ratios, class mix, geographic concentration, and underwriting quality on an ongoing basis
Identify early signals of deterioration, adverse selection, or pricing inadequacy in the farm portfolio and surface them with recommendations
Partner with Actuarial on farm rate adequacy reviews, loss development, and segment-level profitability analysis
Support farm-specific reporting and contribute underwriting analysis to portfolio performance reviews
Participate in reinsurance submissions and treaty discussions as MGT's farm underwriting subject matter expert
Build and maintain strong working relationships with MGT's appointed brokers and wholesale partners who specialize in farm and agribusiness
Communicate farm appetite, eligibility criteria, and coverage positions clearly to agents and brokers including complex declination rationale
Support Distribution in developing and communicating farm appetite to new and existing broker partners
Participate in broker calls, agency visits, and market-facing activities as MGT's farm underwriting representative
Work closely with the Senior Lead, Underwriting on farm guideline development, portfolio strategy, and appetite decisions
Partner with Operations and Engineering to embed farm underwriting logic into systems, tools, and the Athena AI platform
Collaborate with Compliance and Legal on farm policy language, state filing requirements, and coverage positions
Contribute farm perspective to product development, coverage enhancement, and pricing discussions with the Senior Lead, Insurance Product