Binding Authority Underwriter – Garage

Key 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.

Qualifications

• 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.
• Able to manage multiple priorities while maintaining accuracy and responsiveness.

Preferred Qualifications

• 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.

Benefits

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 here.