Property and Casualty Underwriter

Position Summary

What will your job entail

• Underwrite new and renewal commercial property business on both a primary and excess basis evaluating risk quality exposure and pricing adequacy in accordance with underwriting guidelines and delegated authority.
• Analyze property schedules statement of values (SOVs) loss runs COPE data (Construction Occupancy Protection Exposure) and engineering reports to assess risk.
• Evaluate catastrophe (CAT) exposures including wind flood earthquake and wildfire using modeling tools (e.g. RMS AIR/Verisk CoreLogic) and apply appropriate terms pricing and capacity.
• Structure excess and layered/tower placements coordinating attachment points limits and terms with primary carriers other excess markets and reinsurance treaty guidelines.
• Price risks using rating tools capacity models and technical pricing methodologies; negotiate terms conditions and pricing with brokers.
• Review and negotiate policy terms conditions exclusions and endorsements; issue quotes binders and policies within authority levels.
• Manage a book of business to meet growth profitability retention and loss ratio targets.
• Build and maintain strong relationships with wholesale and retail brokers to drive submission flow and market the MGAs appetite and capabilities.
• Monitor treaty/facultative reinsurance requirements and ensure placements comply with binding authority agreements and carrier guidelines.
• Partner with actuarial catastrophe modeling claims and reinsurance teams to inform pricing portfolio management and risk selection.
• Maintain accurate underwriting files documentation and compliance with audit and regulatory requirements.
• Monitor market trends competitor activity and capacity conditions across the primary and excess property markets.
• Participate in carrier and reinsurance partner audits and stewardship meetings.

Required:

• 3 years of commercial property underwriting experience with direct exposure to both primary and excess layers.
• Strong understanding of property insurance principles including COPE analysis CAT modeling and layered/tower placement structures.
• Experience underwriting complex large-account or catastrophe-exposed property risks.
• Proficiency with catastrophe modeling software (RMS AIR/Verisk Touchstone or similar) and rating/pricing tools.
• Strong analytical negotiation and decision-making skills.
• Excellent verbal and written communication skills; ability to build broker relationships.
• Bachelors degree in business finance risk management or related field (or equivalent industry experience).

Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the 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 expressionsexual orientation and many other characteristics bring together varied perspectives and add value to the service we provide our clients trading partnersand 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.

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 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 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

The above is intended to describe this jobs general requirements. It is not to be construed as an exhaustive statement of duties responsibilities or physical requirements. Nothing in this job description restricts managements 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.