Growth-Focused HNW Personal Lines Binding Underwriter

RT Specialty; United States; On-site; USD 100,000 - 125,000; Full time

Benefits offered by this job

Paid time off

Vacation

Sick and personal days

Parental leave

Mental health services

Bonuses and benefits

Job summary

RT Specialty, a division of Ryan Specialty, seeks a Binding Authority Underwriter to build and grow a High-Net-Worth Personal Lines book by underwriting complex risks and developing strong agency relationships. You will market submissions to carriers, negotiate terms, and drive profitable premium growth.

The ideal candidate brings experience in Personal Lines underwriting, binding authority, or wholesale brokerage, with a proven ability to generate submissions and expand a profitable book of

Qualifications

• 3+ years of insurance experience in Personal Lines, Binding Authority, or Wholesale Brokerage.
• Experience developing relationships with agents, brokers, or carrier partners.
• Experience marketing to carriers and negotiating coverage solutions.
• Strong knowledge of Personal Lines products and coverages.
• Ability to manage multiple priorities in a fast-paced environment.

Responsibilities

• Underwrite new business, renewals, endorsements, and complex personal lines risks within authority.
• Analyze exposures, loss history, inspections, valuations, catastrophe exposure, and risk characteristics.
• Review carrier guidelines and marketplace appetite to identify optimal placements.
• Prepare competitive quotations and communicate coverage recommendations to retail partners.
• Maintain accurate underwriting documentation and file records.
• Develop, manage, and expand relationships with retail agents, brokers, and carrier partners.
• Generate new business opportunities through agency prospecting and market development initiatives.
• Establish a consistent pipeline of new submissions and cultivate producer relationships.
• Identify opportunities to increase premium volume and expand agency partnerships.
• Represent the organization at agency meetings, networking events, and industry functions.
• Build a profitable High-Net-Worth Personal Lines portfolio from the ground up.
• Drive annual premium growth through new business production and agency development efforts.
• Monitor portfolio performance, profitability, retention, and production metrics.
• Partner with leadership to execute growth strategies and expand market presence.
• Manage accounts through the policy lifecycle, including endorsements, inspections, renewals, and servicing.
• Coordinate with internal teams, carrier partners, and retail agents to ensure timely policy issuance and exceptional customer service.
• Review inspection recommendations and follow through on underwriting requirements.

Skills

Underwriting

Relationship Building

Communication Skills

Portfolio Growth

Multi-tasking

Education

Bachelor's degree preferred

Job description

RT Specialty, a division of Ryan Specialty, seeks a Binding Authority Underwriter to build and grow a High-Net-Worth Personal Lines book by underwriting complex risks and developing strong agency relationships. You will market submissions to carriers, negotiate terms, and drive profitable premium growth.

The ideal candidate brings experience in Personal Lines underwriting, binding authority, or wholesale brokerage, with a proven ability to generate submissions and expand a profitable book of