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Farm Underwriting Jobs (NOW HIRING)

MGT Insurance

Farm Underwriter

Denver, CO · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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

Indiana Farmers Insurance

Farm Lines Underwriter I

Indianapolis, IN · On-site

$55K - $63K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Farm underwriting experience or familiarity with the farming industry are preferred, but we could also consider someone with property/casualty insurance who is willing to work hard and learn quickly.

Indiana Farmers Insurance

Farm Lines Underwriter I

Indianapolis, IN · On-site +1

$55K - $63K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Farm underwriting experience or familiarity with the farming industry are preferred, but we could also consider someone with property/casualty insurance who is willing to work hard and learn quickly.

Indiana Farmers Insurance

Farm Lines Underwriter II

Indianapolis, IN · On-site +1

$60K - $80K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The right candidate will collaborate closely with our Farm Underwriting staff and agents, and effectively analyze risk. As a Farm Lines Underwriter with Indiana Farmers Insurance, you will help drive ...

Indiana Farmers Insurance

Farm Lines Underwriter I

Indianapolis, IN · On-site

$55K - $63K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Farm underwriting experience or familiarity with the farming industry are preferred, but we could also consider someone with property/casualty insurance who is willing to work hard and learn quickly.

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

  • Retirement

  • PTO

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 ...

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All JobsFarm Underwriting Jobs

Farm Underwriting information

See salary details

$48K

$103.1K

$158.5K

How much do farm underwriting jobs pay per year?

As of Aug 17, 2026, the average yearly pay for farm underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is farm underwriting?

Farm underwriting is the process used by insurance companies to evaluate the risks associated with insuring a farm property or operation. Underwriters assess factors such as the type of crops or livestock, farm size, location, loss history, and safety practices to determine the appropriate coverage and premium rates. The goal is to ensure that the insurance policy accurately reflects the risks involved and provides adequate protection for both the farmer and the insurer.

What are some common challenges faced by farm underwriters, and how can they be addressed?

Farm underwriters often encounter challenges such as accurately assessing diverse agricultural risks, staying updated with changing regulations, and evaluating unconventional or evolving farm operations. These challenges can be addressed by maintaining close communication with agents and farm owners, leveraging advanced data analytics tools, and participating in ongoing industry training. Collaborating with risk engineers and agricultural experts also helps ensure comprehensive risk evaluations and tailored coverage solutions.

What are the key skills and qualifications needed to thrive as a farm underwriter, and why are they important?

Thriving as a Farm Underwriter requires a strong understanding of agricultural risks, insurance principles, and relevant underwriting guidelines, often supported by a degree in finance, agriculture, or a related field. Familiarity with insurance management systems, risk assessment software, and certifications such as Chartered Property Casualty Underwriter (CPCU) can be highly advantageous. Analytical thinking, attention to detail, and effective communication are essential soft skills for assessing complex farm operations and collaborating with agents and clients. These skills ensure accurate risk evaluation and policy pricing, ultimately safeguarding the insurer's portfolio and supporting client needs.

What is the difference between Farm Underwriting vs Crop Insurance Underwriter?

AspectFarm UnderwritingCrop Insurance Underwriter
CredentialsTypically requires insurance licenses, underwriting certifications, and agricultural knowledgeSimilar credentials, often including insurance licenses and crop-specific knowledge
Work EnvironmentOffice-based, working with farm loans, policies, and agricultural dataOffice setting, evaluating crop insurance applications and risk assessments
Industry UsageCommon in agricultural finance and farm loan institutionsPrimarily in crop insurance companies and agencies
Comparison Search IntentHigh overlap in job functions and industry terminologyRelated but more specialized in crop insurance policies

Farm Underwriting and Crop Insurance Underwriter roles share similar credentials, work environments, and industry usage. Both evaluate agricultural risks and require specialized knowledge, but Farm Underwriting often encompasses broader farm loan and insurance assessments, while Crop Insurance Underwriters focus specifically on crop policies. Understanding these differences helps job seekers target the right roles within the agricultural insurance sector.

More about Farm Underwriting jobs

What cities are hiring for Farm Underwriting jobs?

Cities with the most Farm Underwriting job openings:

What states have the most Farm Underwriting jobs?

States with the most job openings for Farm Underwriting jobs include:

What job categories do people searching Farm Underwriting jobs look for?

The top searched job categories for Farm Underwriting jobs are:

Farm Underwriting jobs near you
Infographic showing various Farm Underwriting 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 99% Physical, and 1% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Farm Underwriter

MGT Insurance

Denver, CO • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 5 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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