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About the Role

The Property and Casualty Underwriter manages property and casualty business workflows, provides technical expertise, and ensures adherence to underwriting guidelines. This role develops strategies for new business and portfolio retention, cultivates broker relationships, and supports training for new staff.

Responsibilities

• Oversees and strategically manages workflows for new property and casualty business and renewals, showcasing advanced professionalism, technical expertise, and adherence to underwriting guidelines.
• Evaluates, prioritizes, and selects submissions and prices risks that will develop an underwriting profit for the carrier, refers or declines risks that present excessive risk.
• Drives risk assessment comprehensively, evaluating factors such as coverage value, location, usage, safety features, and other considerations to make informed decisions on risk acceptance.
• Determines appropriate coverage limits, insurance premiums, policy terms based on risk assessment, ensuring active portfolio management of complex property and casualty accounts.
• Negotiates terms and conditions with the broker, recognizes and creates cross sell opportunities for other products while ensuring compliance with regulations and guidelines.
• Develops strategic initiatives to create new business opportunities, maximizes retention of assigned portfolios and contributes significantly to achieving business targets.
• Manages internal and external relationships that will deliver superior customer service.
• Develops professional, long-term relationships with brokers and agents, expanding the book of business and operating within delegated authority limits.
• Partners with underwriting teams, fosters seamless communication, and optimizes task coordination to support the overall underwriting process.
• Provides accurate premium forecasts and business plans, contributes to budgeting processes and supports the achievement of performance targets.
• Optimizes underwriting processes, introduces new technologies, and aligns the department with broader organizational goals.
• Delivers training for new underwriters on underwriting guidelines, processes, and systems.
• Attends industry events and stays abreast of property and casualty underwriting trends, emerging risks in the sector, regulatory changes, and adjust underwriting strategies, accordingly.

Requirements

• Minimum of 8 years of experience in Property and Casualty Underwriting.
• Bachelor’s degree required, Risk Management, Actuarial and Business Administration preferred. Any other related discipline or commensurate work experience considered.
• Must meet minimum requirements for state P&C and/or surplus line licenses.

Skills

• Property and Casualty Underwriting
• Risk Assessment
• Portfolio Management
• Broker Relationship Management
• Cross-selling
• Regulatory Compliance
• Business Development
• Customer Service
• Team Collaboration
• Financial Forecasting
• Process Optimization
• Training
• Industry Trend Analysis

Experience Level

• 8+ years

Education Level

• Bachelor's degree

Salary/Compensations

• $88,000.00 - $110,000.00 annually

Benefits

• Paid time off for company holidays, vacation, sick and personal days
• Paid parental leave
• Mental health services
• Bonuses (for full-time roles)
• Comprehensive and best-in-class benefits package

About the Company

• Ryan Specialty is 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.

Equal Opportunity

• Ryan Specialty is an Equal Opportunity Employer.
• 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.
• Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.