AI-Powered Commercial Lines Underwriter

MGT Insurance; Denver (CO); On-site; USD 80,000 - 125,000; Full time

Benefits offered by this job

Equity participation

Comprehensive benefits

401(k)

Flexible PTO

Job summary

MGT Insurance seeks a seasoned underwriter to lead risk evaluation for commercial P&C submissions, focusing on small business and BOP. Based in the Denver area, you will assess risk quality, apply guidelines, and collaborate with brokers to maintain a high-quality book.

You’ll work in a technology-forward environment using Athena AI, policy admin systems, and quoting tools, with opportunities for growth, mentorship, and equity participation. Comprehensive benefits are included.

Qualifications

• 3–6 years of commercial P&C underwriting experience.
• Carrier or MGA underwriting with small commercial or BOP experience preferred.
• Solid foundation in BOP structure, class eligibility, coverage components, and risk assessment.
• Experience using underwriting guidelines and referral frameworks in a carrier or MGA environment.
• Comfort managing a book of submissions with accuracy and prioritization.
• Familiarity with ISO forms and standard policy language is a plus.
• Exposure to broker/agent distribution and quote-and-bind dynamics.
• Openness to working in a technology-forward environment with AI-assisted tools.

Responsibilities

• Evaluate and make underwriting decisions on commercial P&C submissions (BOP, GL, Property, Auto).
• Apply underwriting guidelines to assess risk quality, class eligibility, coverage structure, and pricing.
• Identify risks outside standard appetite and elevate referrals with clear recommendations.
• Review renewal accounts for changes in risk, loss history, and eligibility.
• Manage an active book with accuracy and documentation.
• Respond to broker submissions and questions in a timely, professional manner.
• Build and maintain productive broker/wholesale partner relationships.
• Communicate underwriting decisions clearly, including declinations, with actionable reasoning.
• Support distribution in onboarding new agents and answering appetite questions.
• Maintain high underwriting quality and participate in audits and calibration sessions.
• Engage with Athena AI, policy admin system, and quoting tools as daily workflow tools.

Skills

P&C underwriting

Small commercial

BOP knowledge

ISO forms familiarity

Guidelines experience

Broker relationships

AI tools comfort

Quoting tools

Tools

Athena AI underwriting agent

Policy admin system

Quoting tools

Job description

MGT Insurance seeks a seasoned underwriter to lead risk evaluation for commercial P&C submissions, focusing on small business and BOP. Based in the Denver area, you will assess risk quality, apply guidelines, and collaborate with brokers to maintain a high-quality book.

You’ll work in a technology-forward environment using Athena AI, policy admin systems, and quoting tools, with opportunities for growth, mentorship, and equity participation. Comprehensive benefits are included.