E&S Underwriter

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.

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: $130,000 – $170,000, 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.

Our Commitment to Diversity, Equity & Inclusion

At MGT, inclusion drives excellence and belonging sustains it. We believe diverse perspectives make us stronger, more innovative, and more connected to the people we serve. We value every voice, champion equity, and create space where all people can grow and succeed together.

Equal Employment Opportunity Statement

MGT is proud to be an Equal Opportunity Employer. We do not discriminate in employment opportunities or practices based on race, color, religion, gender, gender identity or expression, sexual orientation, national origin, age, disability, genetic information, marital status, military or veteran status, or any other status protected by applicable law.

All employment decisions are based on qualifications, merit, and business needs. We are committed to providing reasonable accommodations for qualified individuals with disabilities throughout the application and employment process. If you need assistance or accommodations, please contact us at [email protected].

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.