RT Specialty, a division of Ryan Specialty, is a leading wholesale distributor of specialty insurance products and services. Our experienced brokers are specialized in property, casualty, professional lines, transportation and workers' compensation, providing creative solutions to retail brokerage firms. We define ourselves through our superior execution on behalf of our clients, which has established us as a leader in the industry.

Position Summary
The Binding Authority Underwriter is responsible for managing and growing a portfolio of New Business Garage business by evaluating, selecting, pricing, and servicing insurance risks within established underwriting authority and carrier guidelines.

The ideal candidate is a proactive, detail-oriented underwriter who enjoys analyzing risks, researching coverage issues, and building strong relationships with agency partners. Success in this role requires sound underwriting judgment, responsiveness, strong organizational skills, and the ability to independently review submissions, evaluate exposures, and make informed underwriting decisions.

Location: The ideal candidate would be located and work hybrid out of either our Springfield or Kansas City, MO office. Open to a remote candidate in MO for the right candidate,

What will your job entail?

Key Responsibilities:

• Underwrite and manage Garage new business accounts in accordance with underwriting authority and carrier guidelines.
• Assess, analyze, and price renewals, new business submissions, and policy endorsements.
• Review applications, loss history, inspection reports, and supporting documentation to evaluate risk acceptability.
• Determine appropriate classifications, exposures, coverage forms, endorsements, credits, and debits.
• Analyze risks and recommend coverage solutions that support profitability and long-term portfolio performance.
• Utilize carrier portals and underwriting systems to review risks, obtain quotes, and process transactions.
• Compare renewal accounts against new submissions and identify opportunities for growth and retention.
• Communicate underwriting decisions, quote terms, conditions, and coverage recommendations to agency partners.
• Maintain accurate underwriting documentation and clearly document underwriting rationale within files and systems.
• Ensure timely issuance of policies, endorsements, and renewal transactions.
• Manage broker and agency relationships through responsive service and ongoing communication.
• Follow referral and underwriting authority guidelines while maintaining compliance with carrier and regulatory requirements.
• Collaborate with underwriting, operations, and carrier partners to address complex risks and coverage questions.
• Monitor market conditions, carrier appetite, and underwriting trends impacting Garage business.

Qualifications:

Required:

• 2+ years of commercial insurance underwriting experience, preferably within Binding Authority, MGA, or Wholesale environments.
• Experience underwriting Garage business, including evaluating risks, coverage forms, and carrier guidelines.
• Knowledge of commercial property and casualty insurance principles.
• Experience reviewing applications, loss runs, inspections, and supporting underwriting documentation.
• Ability to interpret and apply carrier underwriting guidelines.
• Strong analytical, organizational, and problem-solving skills.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities while maintaining accuracy and responsiveness.

Preferred:

• 3+ years of Binding Authority underwriting experience.
• Experience underwriting Garage operations, including repair shops, service operations, dealers, towing, or related risks.
• Experience working with carriers such as Colony Specialty, Atlanta Casualty, Core Specialty, or similar markets.
• Bachelor's degree in Business, Risk Management, Finance, Insurance, or a related field.
• Relevant industry designations such as CPCU or CIC.
• Experience supporting both renewal retention and profitable new business growth initiatives.

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 target salary range for this position is $78,750.00 - $80,000.00 annually.

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.