Junior Underwriter

Ryan Specialty, LLC; New York (NY); Hybrid; USD 68,000 - 80,000; Full time

Job summary

Ryan Specialty, LLC is seeking a Junior Underwriter for its U.S. Cyber Practice in New York. The role supports underwriting of new and renewal Cyber business, reviews submissions, evaluates exposures, assists with pricing and coverage, and prepares underwriting documentation.

You will work with senior underwriters to develop cyber expertise, build broker and client relationships, and contribute to risk assessment, documentation, and audit-ready files in a fast-paced, collaborative environment.

Qualifications

• Bachelor’s degree in Risk Management, Insurance, Finance, Business Administration, Cybersecurity, or related discipline preferred.
• 2+ years of professional experience in insurance, underwriting, brokerage, risk management, financial services, or related field preferred.
• Prior Property & Casualty or Cyber insurance experience is a plus, but not required.

Responsibilities

• Supports underwriting and evaluation of Cyber insurance submissions, reviewing exposure information, applications, loss history, and other underwriting data.
• Assists in assessing new and renewal business against established Cyber underwriting guidelines, appetite, and risk selection criteria.
• Partners with senior underwriters to evaluate risks, develop terms and conditions, and determine pricing and coverage.
• Reviews and maintains policy and underwriting information to ensure files are complete, accurate, and current.
• Communicates with brokers and clients to gather information and move submissions efficiently through underwriting.

Education

Bachelor’s degree in Risk Management, Insurance, Finance, Business Administration, Cybersecurity, or a related discipline

Job description

Position Summary Celerity Risk is seeking a Junior Underwriter to join its U.S. Cyber Practice. This role will support the underwriting of new and renewal Cyber business, including reviewing submissions, evaluating exposures, assisting with pricing and coverage, and preparing underwriting documentation. Working closely with experienced underwriters, the Junior Underwriter will develop technical Cyber expertise while building strong relationships with brokers and clients. This is an opportunity for an early-career professional to build a foundation in Cyber and specialty insurance underwriting within a collaborative, fast-paced environment.

What will your job entail?

• Supports the underwriting and evaluation of Cyber insurance submissions, reviewing exposure information, applications, loss history, and other relevant underwriting data.
• Assists in assessing new and renewal business against established Cyber underwriting guidelines, appetite, and risk selection criteria.
• Partners with senior underwriters to evaluate risks, develop terms and conditions, and determine appropriate pricing and coverage.
• Reviews and maintains policy and underwriting information to ensure files are complete, accurate, and current throughout the underwriting process.
• Communicates with brokers and clients to gather additional information, respond to questions, and help move submissions efficiently through the underwriting process.
• Develops an understanding of key Cyber risk factors and emerging exposures and applies that knowledge when reviewing individual accounts.
• Supports premium calculations and rating, ensuring rates and underwriting guidelines are applied accurately.
• Prepares quotes, binders, policy documentation, and other materials related to underwriting submissions and policy issuance.
• Builds relationships with brokers and serves as a responsive point of contact for submission status, underwriting questions, and general inquiries.
• Tracks underwriting activity, portfolio information, and key performance metrics to support management reporting and portfolio analysis.
• Collaborates closely with underwriting colleagues and other business partners to coordinate account activity and deliver a consistent broker and client experience.
• Maintains underwriting documentation and supports internal and external audit requests as needed.
• Ensures underwriting activities comply with company policies, underwriting guidelines, regulatory requirements, and applicable compliance standards.
• Participates in ongoing training and development to build technical expertise in Cyber insurance, underwriting, risk assessment, and the broader specialty insurance market.

Work Experience and Education

Bachelor’s degree in Risk Management, Insurance, Finance, Business Administration, Cybersecurity, or a related discipline preferred. Relevant professional experience will also be considered. 2+ years of professional experience in insurance, underwriting, brokerage, risk management, financial services, or a related field preferred. Prior Property & Casualty or Cyber insurance experience is a plus, but not required. Strong analytical, organizational, and communication skills with an interest in developing a career in Cyber and specialty insurance underwriting. Ability to manage multiple priorities, work collaboratively, and demonstrate strong attention to detail.

Licenses & Certifications

Must obtain and maintain applicable state P&C and/or surplus lines licenses as required.

Progress toward industry designations such as CPCU, RPLU, or ARM is a plus.

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 $68,200.00 - $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 [e-mail]

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.

A multi-time winner of Newsweek’s Most Loved Workplaces and Insurance Business’s Top Insurance Employers, Ryan Specialty is home to some of the brightest talent in the insurance industry. Join our team and help provide innovative solutions for insurance brokers, agents and carriers.

Ryan Specialty, LLC and its affiliates (“Ryan Specialty”) do not accept unsolicited resumes or candidate profiles submitted by any staffing agencies, placement services or professional recruiters (“Agencies”), including any submissions made through our website or to email accounts of Ryan Specialty employees. Agencies must be registered in Ryan Specialty’s agency portal and have a fully executed contract for service between the Agency. Agency fee agreements will only be valid if provided in such fully executed contract between the Agency and the Agency. Any unsolicited resume or candidate profile received from an Agency without prior approval from Ryan Specialty’s HR department and in compliance with Ryan Specialty’s candidate submission process shall be considered unsolicited, gratuitous and property of Ryan Specialty for recruiting purposes and, as such, is not subject to payment of any Agency fees.