Commercial Lines Underwriter

MGT Insurance; San Francisco (CA); On-site; USD 80,000 - 125,000; Full time

Benefits offered by this job

Equity participation

Health, dental & vision

401(k) plan

Flexible PTO

Job summary

MGT Insurance is seeking an experienced commercial P&C underwriter in San Francisco. You will evaluate submissions, apply guidelines, and manage a book of business with broker collaboration and modern systems.

Join a tech-forward team leveraging Athena AI and a robust policy administration platform to drive underwriting decisions and continuous improvement. Equity participation and comprehensive benefits are part of the package.

Qualifications

• 3–6 years of commercial P&C underwriting experience.
• Carrier or MGA underwriting experience strongly preferred.
• Familiarity with ISO forms and standard policy language a strong plus.
• Openness to working in a technology-forward environment with AI-assisted tools and modern systems.

Responsibilities

• Evaluate and make underwriting decisions on commercial P&C submissions, primarily BOP, with exposure to GL, Commercial Property, and Commercial Auto.
• Apply underwriting guidelines to assess risk quality, class eligibility, coverage structure, and pricing appropriateness.
• Respond to broker submissions, coverage questions, and quote requests in a timely and professional manner.
• Engage actively with MGT's technology platform including Athena AI underwriting agent, policy admin system, and quoting tools as a core part of the daily workflow.

Job description

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.

What You'll Do

Risk Evaluation & Decision-Making

• Evaluate and make underwriting decisions on commercial P&C submissions primarily BOP, with exposure to GL, Commercial Property, and Commercial Auto
• Apply MGT's underwriting guidelines to assess risk quality, class eligibility, coverage structure, and pricing appropriateness
• Identify risks that fall outside standard appetite and expedite referrals with a clear, well-reasoned recommendation
• Review renewal accounts for changes in risk profile, loss history, and continued eligibility
• Manage an active book of business with accuracy, speed, and appropriate documentation

Broker & Distribution Support

• Respond to broker submissions, coverage questions, and quote requests in a timely and professional manner
• Build and maintain productive working relationships with MGT's appointed broker and wholesale partners
• Communicate underwriting decisions clearly — including declinations — with reasoning that helps brokers understand MGT's appetite
• Support Distribution in onboarding new agents and answering appetite and eligibility questions

Underwriting Quality & Continuous Improvement

• Maintain high underwriting quality: accurate documentation, consistent application of guidelines, and defensible decision rationale
• Participate in file reviews, underwriting audits, and team calibration sessions
• Flag patterns or edge cases that suggest guideline gaps or appetite questions — and bring them to the Underwriting Lead
• Engage actively with MGT's technology platform including Athena AI underwriting agent, policy admin system, and quoting tools as a core part of the daily workflow

Learning & Development

• Build technical depth across MGT's lines of business through mentorship, file review, and direct exposure to complex risks
• Participate in underwriting training, coverage education, and team knowledge-sharing sessions
• Work toward broader underwriting authority and expanded responsibility over time

What We’re Looking For

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

Traits We Value

Technically curious. You want to understand why a guideline exists, not just follow it. You ask good questions and look for the reasoning behind coverage decisions.

Ownership mindset. You treat your book like it's yours. You're accurate, thorough, and don't let things fall through the cracks.

Broker-focused. You understand that MGT's broker partners are the channel through which we grow, and you treat every interaction as a reflection of MGT's reputation.

Growth-oriented. You're building toward broader underwriting authority and want to develop technically, not just maintain the status quo.

Platform-native. You're comfortable using technology as a core part of how you underwrite — not a workaround, but a real tool.

Compensation

Base Salary: $80,000 – $125,000, 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

Why This Role Matters

At MGT, every underwriting decision matters — not just for the individual risk, but for the shape and quality of the book we're building. This role puts you at the center of that work, with direct exposure to a senior underwriting team, a modern technology platform, and a company that is growing fast.

For the right person, this is an exceptional place to develop as an underwriter — with real mentorship, meaningful work, and a clear path to broader authority and responsibility over time.

We recognize that no candidate will meet every qualification and encourage individuals with relevant experience and interest in the role to apply.

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 [e-mail].

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.