About MGT Insurance 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.

We are hiring a Senior Lead, Underwriting to serve as the primary underwriting authority within MGT's insurance organization. This is not a field UW role you are the person who defines how MGT underwrites: what we write, what we don't, why, and how consistently that judgment is applied across our book and our team. You’re a seasoned small commercial P C underwriter who combines deep technical judgment with the operational and leadership capacity to build, run, and continuously improve a high-performing underwriting function.

One that operates at the speed and scale a broker-facing, quote-and-bind platform demands. In this role you'll report directly to the Head of Insurance Product UW and sit at the center of MGT's product, pricing, and underwriting functions.

What You'Ll Do

Guidelines Appetite Ownership Author, maintain, and evolve underwriting guidelines across all MGT lines: BOP, Commercial Auto, Farm, Property, and General Liability Define and document MGT's risk appetite — what we target, what we avoid, and where we compete on selection vs.

Requirements

Coverage Technical Interpretation Serve as MGT's authoritative voice on coverage questions — policy language, exclusions, endorsements, and manuscript form decisions 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 that fall outside standard guidelines Provide technical UW input to the Athena AI underwriting agent — coverage interpretation, edge case reasoning, and appetite encoding (see AI Underwriting Agents section below) Portfolio Quality Loss Analytics Own the underwriting quality program: file audits, bind reviews, renewal screenings, and adverse selection monitoring Partner with actuarial and data teams on rate adequacy reviews, loss ratio analysis, and segment-level profitability assessment Identify guideline gaps or adverse trends and drive corrective action — through guideline amendments, appetite tightening, or pricing signals Contribute to reinsurance submissions and treaty discussions with technical UW perspective Product Pricing Partnership Collaborate with product managers on new program design, coverage enhancements, and schedule rating logic (SRRP, debits/credits) Provide UW input on filed rate changes, classification reviews, and ISO circular adoption decisions Help translate underwriting logic into system rules, Athena prompts, and Aimee appetite gate criteria Participate in carrier partner reviews, reinsurance meetings, and regulatory audits as the technical UW lead AI Underwriting Agents Serve as the primary underwriting subject matter expert for Athena, MGT’s AI underwriting agent — defining the judgment logic, appetite rules, and escalation criteria that govern how the agent operates Author and maintain UW agent prompts across lines of business — translating underwriting guidelines, class-level appetite, and coverage intent into structured AI instructions Review Athena outputs regularly — identify misapplied appetite, gaps in reasoning, or edge cases not yet addressed, and iterate on agent instructions a