Binding Authority Underwriter – Garage

Ryan Specialty•Kansas City, MO

1d•$78,750 - $80,000•Hybrid

About The Position

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. The Binding Authority Underwriter is responsible for managing and growing a portfolio of Garage business by evaluating, selecting, pricing, and servicing insurance risks within established underwriting authority and carrier guidelines. This role has a strong emphasis on renewal underwriting while also supporting profitable new business growth opportunities. 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.

Requirements

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.

Nice To Haves

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.

Responsibilities

Underwrite and manage Garage renewal and 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.