Property and Casualty Underwriter

Position Summary

What will your job entail?

• Underwrite new and renewal Property & Casualty business within established program guidelines and delegated underwriting authority.
• Review submissions, applications, loss information, policy forms, endorsements, and supporting documentation to evaluate exposures and determine appropriate underwriting action.
• Assess coverage, limits, pricing, terms, and conditions based on account characteristics, loss experience, underwriting guidelines, and market conditions.
• Make decisions to accept, modify, or decline risks within assigned underwriting authority.
• Manage an assigned portfolio with a focus on profitable growth, retention, and overall portfolio performance.
• Develop and maintain strong relationships with brokers, serving as a trusted underwriting partner and resource throughout the life of an account.
• Partner with brokers to understand individual account needs, evaluate available solutions, and identify opportunities to write and retain profitable business.
• Collaborate with carrier partners and internal teams, including Risk Management, Claims, and Underwriting support, to appropriately evaluate and service accounts.
• Manage the renewal pipeline proactively, ensuring timely review, communication, and underwriting decisions.
• Identify and pursue opportunities for new business while supporting broader production and growth objectives.
• Monitor portfolio performance and contribute to premium forecasts, business planning, and established production and profitability targets.
• Maintain compliance with applicable state requirements, carrier guidelines, internal underwriting standards, and delegated authority.
• Stay current on emerging risks, regulatory developments, market conditions, and trends affecting Property & Casualty insurance and Human and Social Service organizations.
• Participate in broker meetings, industry events, and other relationship-building opportunities as appropriate.

Education & Experience

• Bachelor’s degree in Risk Management, Insurance, Business Administration, Actuarial Science, or a related field preferred. Equivalent relevant professional experience will also be considered.
• 5+ years of Property & Casualty underwriting experience.
• Experience underwriting commercial P&C business and evaluating complex or specialized risks.
• Demonstrated ability to analyze exposures, loss experience, coverage, pricing, and account information to make sound underwriting decisions.
• Strong understanding of Property & Casualty coverages, policy forms, underwriting principles, and risk selection.
• Experience developing and maintaining productive broker relationships.
• Strong analytical, communication, negotiation, and decision-making skills.
• Ability to effectively manage a portfolio of business and balance multiple priorities in a fast-paced environment.

Licenses & Certifications

• Must meet applicable state licensing requirements, including Property & Casualty and/or surplus lines licensing requirements as appropriate for the role.
• CPCU, AU, or other relevant insurance designation is a plus.

Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment.

How We Support Our Teammates 

Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them — and their family members — achieve their physical, financial, and emotional well-being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more.

The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website https://benefits.ryansg.com/. 

We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at HR@Ryansg.com 

The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.