Underwriter - Programs

Position Summary Ryan Specialty National Programs is seeking an experienced and growth-oriented Program Underwriter to join our expanding Business Services & Contractors team. This role is responsible for underwriting, managing, and growing a profitable portfolio of specialized commercial insurance programs serving a diverse range of business service and contractor-focused industries, including staffing and workforce solutions organizations, janitorial and facility service providers, alarm and security contractors, fire protection companies, government service contractors, private investigation firms, and other niche commercial businesses. The ideal candidate is more than a strong technical underwriter. They are proactive, relationship-oriented, commercially minded, and energized by the opportunity to build a business. They enjoy developing broker relationships, participating in market-facing activities, identifying growth opportunities, and taking on increasing responsibility as the portfolio continues to expand. This is an excellent opportunity for an ambitious underwriting professional seeking to make a meaningful impact within a growing specialty insurance platform. What will your job entail? Underwriting & Portfolio Management Evaluate, price, and underwrite new and renewal business within delegated underwriting authority. Analyze exposures, loss experience, financial information, operations, and risk characteristics. Determine appropriate pricing, coverage structure, terms, conditions, and endorsements. Maintain profitability, retention, and growth objectives across assigned programs. Monitor portfolio performance and identify emerging trends, opportunities, and areas of concern. Ensure underwriting decisions align with carrier guidelines, program objectives, and profitability targets. Broker & Distribution Development Build and maintain strong relationships with wholesale brokers, retail agents, and carrier partners. Serve as a trusted resource regarding appetite, coverage solutions, underwriting strategy, and market conditions. Conduct agency visits, broker meetings, and customer presentations. Identify opportunities to expand distribution relationships and increase program visibility. Represent Ryan Specialty National Programs at conferences, industry events, and marketing initiatives. Program Growth & Leadership Partner with leadership on program development and strategic growth initiatives. Assist in evaluating new classes of business and market opportunities. Contribute to underwriting guideline development and process improvements. Support mentoring and development of junior underwriting talent. Play an active role in building the long-term success of the portfolio and platform. Qualifications Required 5+ years of commercial P&C underwriting experience. Experience underwriting one or more of the following: Commercial Package Commercial Property Commercial Auto General Liability Excess/Umbrella Liability Strong analytical, financial, and risk assessment capabilities. Proven ability to manage a profitable book of business. Excellent communication and relationship-building skills. Ability and willingness to travel for broker, agency, and customer meetings. Preferred MGA, MGU, delegated authority, program business, or E&S underwriting experience. Experience working with wholesale distribution channels. Prior business development or production underwriting experience. Knowledge of service industry and contractor-focused risks. CPCU, AU, ARM, or similar professional designation. Prior mentoring, coaching, or informal leadership experience. 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 $140,000.00 - $175,000.00 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 . 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 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.