MGT Insurance

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MGT Insurance is the first AI neo-insurer: a modern, full-stack carrier built for independent agents and small businesses.

With instant quoting, binding, and access to hundreds of classes, we make commercial insurance faster and easier.

11/03/2026

In small commercial, an “AI underwriting platform” could be any of these:

🏛️ A carrier that writes the policy and keeps the risk itself

🔁 An MGA issuing policies on another insurer’s paper, where the risk ultimately sits with someone else

⚙️ Software that runs part of the process for whoever licenses it

Most days, you’d never notice the difference. You notice it when a claim gets complicated, or when a program loses its backing and stops writing. That’s usually when agents end up re-placing clients on their own time.

Our blog covers what this means for agents and the small businesses they serve, plus the one question worth asking any market before you build a book on it: www.mgtinsurance.com/blog/neo-insurance-what-it-means-for-agents-and-small-businesses

10/30/2026

Lots of companies are spending big on AI right now. Far fewer can tell you what that money is actually producing.

That’s the question most engineering leaders can’t answer, and it’s why some of them are quietly pulling budget back. At MGT Insurance, we went the other direction because we can measure it.

In Part 3 of Building an AI-Native Carrier, our Head of Engineering Joe Barneson lays out the math: 16 engineers producing the output of a 60-person team, with every AI dollar currently doing the job of twelve.

That number comes from Canary, an AI agent we built to act as an engineering manager. Every time our team ships something, Canary scores it on effort, business value, and risk, then turns that into a real dollar figure split between the human work and the AI work.

Here’s what measuring this way changes:

📊 We skip estimates entirely. We build first, then measure what the work actually cost and delivered.

🔍 The data is open to everyone at MGT. No committee compiles it, no one polishes it for a quarterly deck.

📈 12x is where we are today. 100x is where this goes, not because the technology gets better on its own, but because we get better at directing it.

For agents, this is the reason we can ship improvements to quoting and binding as quickly as we do.

Read Part 3: www.mgtinsurance.com/blog/every-ai-dollar-doing-job-of-twelve

10/29/2026

It's time for another Paws & Premiums: Halloween Edition*. 🎃🐾

Four finalists. One champion. Drop your favorite’s name in the comments and the pet named the most times takes the crown.

Meet the contenders:

👑 Gidget — Kaylee Satter’s pup at Chanda Gatton Agency, as Snow White. The resemblance is uncanny.

🚔 Leo — Rachel Kogan’s cat at RPK Professional Group LLC, charged with “Beggar.” He maintains his innocence. The evidence does not.

🏈 Mite, Finley Grace & Reptar — Lindsey Lunsford’s trio at Insurance One Agency, LC, in Texas A&M jerseys. Team chemistry you can’t coach.

🍂 Molly — Melissa Gregory’s dog at Lighthouse Insurance, going full autumn in a fall bandana.

One entry per account, so rally your clients, your coworkers, and anyone who owes you a favor.

*MGT Insurance only writes commercial P&C insurance and does not offer pet insurance.

10/28/2026

Oregon agencies aren’t debating whether to use AI. They’re already using it.

Our Territory Manager Mike Donner spent the day with agency partners at the Big I Oregon 2026 Convention, and the examples kept coming: staff using AI to draft and sharpen client emails, AI receptionists answering the phones, and plenty of honest talk about where it helps and where it gets in the way.

Running right alongside it was the other half of the conversation. As technology handles more of the work, showing your value in the client relationship counts for more.

That’s exactly why we build the way we do. Every minute MGT takes out of quoting and binding is a minute an agent spends somewhere no machine can follow. Speed isn’t the product. What agents do with the time they get back is.

10/27/2026

3 in 4 active MGT Insurance BOP policies include cyber coverage.

For small businesses, a single phishing email or a frozen point-of-sale system can be just as disruptive as a burst pipe. That's why Cyber Liability is added to our BOP by default.

Here's what agents can offer clients with MGT this Cybersecurity Awareness Month:

💻 Cyber Liability: $50K or $100K

🗂️ Electronic Data: $10K or $20K

⚡ Interruption of Computer Operations: $10K or $20K

🪪 Identity Fraud: $25K

When payments, scheduling, and customer records all live online, cyber protection isn't optional. It's just part of running a business.

Explore our appetite: mgtinsurance.com/appetite

10/23/2026

Behind every one of these reviews is an agent who got a quote back in minutes instead of days, found an answer without chasing a underwriter, or bound a risk another carrier passed on.

That’s the standard MGT Insurance holds ourself to: fast quoting, a growing appetite, and a support team that picks up.

Thank you to every agent who took the time to share their experience. We’re building this for you.

See what it’s like to work with a neo-insurer: www.mgtinsurance.com

10/22/2026

Join us in welcoming Jacqueline Ryan to MGT Insurance!

Jacqueline joins our technical product management team, helping build the systems at the core of how we quote.

She’s spent her career building products in highly regulated spaces across capital markets, mortgage, and insurance. Most recently, she was at At-Bay, a cyber insurance carrier, where she supported their transition from an MGA to a full-stack carrier.

Here at MGT, she’s focused on our underwriting agent, the system that can quote in minutes while holding to our appetite and underwriting standards, and on finding new ways to grow and scale our business.

When she’s not working, Jacqueline is usually diving into a new hobby or craft. These days, that means weekends spent making stained glass and hiking and running with her dog. 🎨🐕

10/21/2026

An eight-page ACORD form. Filled out by hand. Faxed in. Retyped by an underwriting assistant into a system built in the nineties. Then sent back to the broker because ten things are missing.

Two weeks of that for a $3,000 policy.

The slowness isn’t really the problem. The problem is that nobody in that chain makes money, so most small businesses never get quoted properly in the first place.

We think that’s fixable, so we rebuilt it.

Aimee, our appetite agent, answers broker questions instantly, no waiting on a rep to track down an underwriter. Our own team started using her as the internal gut-check within two weeks. And brokers thank her, then ask her to start the quote. Most of them don’t realize she’s an AI.

Behind her, our data layer takes a business name and an address and pulls around 3,000 data points on the risk. An underwriter doing that by hand checks about forty.

And most of what the industry treats as a requirement was only ever a stand-in. Roof age was a proxy for roof condition, because forty years ago that was the best data anyone had. Now a camera can just look at the roof.

The forms were never the point. They were a workaround for the tools of the time, and the tools have changed.

Part 2 of our Building an AI-Native Carrier series is live: www.mgtinsurance.com/blog/they-dont-know-its-an-ai-bot

10/20/2026

If you've ever wondered where AI actually fits into insurance, this one's worth 18 minutes.

Michael Topol, Co-Founder and Co-CEO of MGT Insurance, sat down with Pete Crowe, President of FOCUS Insurance Group, in the Policy Makers Studio at Connect Vegas 2026 for Episode 2 of Meet the Policy Makers.

He gets into:

→ Why insurance is one of the few places AI touches the real economy

→ How MGT decides what to build in-house and what to buy

→ What agents told us when we asked what's actually slowing them down

Watch the full episode: teamfocusins.com/meet-the-policy-makers/michael-topol/?utm_source=mgt&utm_medium=social&utm_campaign=policy-makers-studio&utm_content=topol-ep02

10/19/2026

Our first AI-posted journal entry was two lines long. It didn't save us a minute.

It wasn't supposed to. We wanted to see if AI could help with our books in a way our accountants actually trusted.

A few months later, that same team is confidently posting 1,000-line entries.

Our Controller, Gregory Schroeder, built trust step by step with required human checkpoints. The AI shows its work in plain accounting terms and waits for an accountant to sign off before anything gets posted.

It now does the chasing for approvals, so our team doesn't have to.

Read Gregory's full story on Malleable HUB: www.usemalleable.com/hub/booking-a-journal-entry-with-a-robot

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http://mgtinsurance.com/

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