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Farm Underwriter Jobs (NOW HIRING)

MGT Insurance

Farm Underwriter

Denver, CO · On-site

What You'll Do Farm Underwriting Authority & Risk Judgment * Serve as MGT's primary technical underwriter for farm and agribusiness submissions including evaluating risk quality, coverage structure ...

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking entry level motivated Underwriting ... Background and experience in agricultural and/or farm operations strongly encouraged * Above ...

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking entry level motivated Underwriting ... Background and experience in agricultural and/or farm operations strongly encouraged * Above ...

Brookfield

Sr Underwriter

Richmond, VA · On-site

$7.5K - $110K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Senior Underwriter

Albany, NY · On-site

$75K - $115K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Senior Underwriter

Richmond, VA

$75K - $115K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Senior Underwriter

Omaha, NE · On-site

$75K - $115K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Senior Underwriter

Chicago, IL · On-site

$75K - $115K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Sr Underwriter

Chicago, IL · On-site

$7.5K - $110K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Sr Underwriter

Albany, NY · On-site

$7.5K - $110K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

Brookfield

Sr Underwriter

Omaha, NE

$7.5K - $110K/yr

Company Farm Family Farm Family specializes in farm and ranch protection with a wide range of ... The Senior Underwriter serves as a trusted resource to agents and internal partners, provides ...

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Farm Underwriter information

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$32.5K

$78.9K

$139.5K

How much do farm underwriter jobs pay per year?

As of Aug 27, 2026, the average yearly pay for farm underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What does a farm underwriter do?

A Farm Underwriter evaluates insurance applications for farms and agribusinesses to determine risk and coverage eligibility. They assess factors like property value, land use, equipment, and potential liabilities to set appropriate policy terms and premiums. By analyzing data, conducting evaluations, and staying informed on agricultural trends, they help balance risk for insurance companies while ensuring farmers receive proper coverage.

What are the key skills and qualifications needed to thrive as a farm underwriter?

To thrive as a Farm Underwriter, you need a solid understanding of agricultural operations, risk assessment, and insurance principles, usually supported by a degree in business, finance, or agriculture. Familiarity with underwriting software, risk modeling tools, and possibly a Chartered Property Casualty Underwriter (CPCU) certification is common. Strong analytical thinking, attention to detail, and excellent communication skills help you succeed in evaluating farm risks and building client relationships. These skills are vital for making sound underwriting decisions that protect both the insurer and the insured while maintaining business growth.

What are common challenges faced by farm underwriters, and how can I prepare for them?

Farm Underwriters often encounter challenges such as assessing complex and varied agricultural risks, staying updated with changing regulations and climate-related hazards, and balancing the need for thorough analysis with timely decision-making. To prepare, it's helpful to develop a deep understanding of both farming operations and property-casualty insurance, as well as to build familiarity with industry-standard risk assessment tools. Collaboration with agents, risk engineers, and loss control specialists is common, allowing for shared expertise and more accurate underwriting. Staying proactive, willing to learn, and adaptable will help you effectively meet these challenges and grow in the role.

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What are the most commonly searched types of Farm Underwriter jobs?

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Farm Underwriter jobs near you
Infographic showing various Farm Underwriter job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, and 4% Part Time. Highlights an 100% Physical job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Farm Underwriter

MGT Insurance

Denver, CO • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 15 days ago

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
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

What We're Looking For
  • 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

Traits We Value
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.
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
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 accommodations@mgtinsurance.com.
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.

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