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Binding Contract Underwriter Jobs (NOW HIRING)

Atain

E&S Underwriter

Farmington Hills, MI · On-site

As a Contract Bind Underwriter, you will play a critical role in driving the growth and profitability of our Contract Binding Division. You will be responsible for marketing our Property, Casualty ...

Diedre Moire Corp.

Insurance Underwriter

Gainesville, FL · On-site

$100K - $300K/yr

... contracts, losses, credit reports, financial standing, etc. • Accept, decline, or modify price ... Experience with Commercial Auto a plus. • Experience overseeing Binding Authorities a plus. • ...

Coalition, Inc.

$119K/yr

Since binding our first treaty in 2025, we have seen tremendous demand for our proprietary scanning ... contract terms * Strong organizational skills, with the ability to manage multiple priorities and ...

Diedre Moire Corp.

Insurance Underwriter

Huntsville, AL · On-site

$100K - $300K/yr

... contracts, losses, credit reports, financial standing, etc. • Accept, decline, or modify price ... Experience with Commercial Auto a plus. • Experience overseeing Binding Authorities a plus. • ...

Diedre Moire Corp.

Insurance Underwriter

Darnestown, MD · On-site

$100K - $300K/yr

... contracts, losses, credit reports, financial standing, etc. • Accept, decline, or modify price ... Experience with Commercial Auto a plus. • Experience overseeing Binding Authorities a plus. • ...

Diedre Moire Corp.

Insurance Underwriter

El Paso, TX · On-site

$100K - $300K/yr

... contracts, losses, credit reports, financial standing, etc. • Accept, decline, or modify price ... Experience with Commercial Auto a plus. • Experience overseeing Binding Authorities a plus. • ...

Diedre Moire Corp.

Insurance Underwriter

Wallingford, CT · On-site

$160K - $200K/yr

... Binding Authority MGA Managing General Agent Admitted Non Admitted General Liability GL Excess ... Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or ...

Diedre Moire Corp.

Insurance Underwriter

Windsor, CT · On-site

$175K/yr

... Binding Authority MGA Managing General Agent Admitted Non Admitted General Liability GL Excess ... Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or ...

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Binding Contract Underwriter information

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$32.5K

$78.9K

$139.5K

How much do binding contract underwriter jobs pay per year?

As of Sep 12, 2026, the average yearly pay for binding contract underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is a binding contract underwriter?

A Binding Contract Underwriter is an insurance professional who reviews and evaluates insurance applications for policies that are written under a binding authority agreement. This means they have the authority to accept or reject risks and issue policies on behalf of an insurance carrier, typically through a managing general agent (MGA). Their role involves assessing risk, ensuring compliance with guidelines, and managing contracts to protect the insurer from undue loss. Binding Contract Underwriters play a key role in the efficiency and profitability of specialty and surplus lines insurance markets.

What are the key skills and qualifications needed to thrive as a binding contract underwriter?

To thrive as a Binding Contract Underwriter, you need a strong understanding of insurance principles, risk assessment, and underwriting guidelines, typically supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, policy management systems, and relevant certifications such as CPCU or AU are common in the role. Excellent analytical thinking, negotiation, and interpersonal communication skills help underwriters build strong broker relationships and make sound decisions under pressure. These skills are essential to accurately assess risk, ensure compliance, and maintain profitability for the insurance carrier.

What are some common challenges faced by binding contract underwriters, and how can they be addressed?

Binding Contract Underwriters often face the challenge of accurately assessing risk when working with a diverse portfolio of delegated authority accounts. Balancing the need for thorough due diligence on coverholders while meeting tight deadlines can be demanding. Effective communication with brokers and coverholders is key, as is staying updated on regulatory changes and market trends. Leveraging strong analytical skills and utilizing underwriting software can help streamline processes and reduce errors, ensuring high-quality underwriting decisions.

What is the difference between Binding Contract Underwriter vs Property Underwriter?

AspectBinding Contract UnderwriterProperty Underwriter
CredentialsTypically requires insurance licenses, underwriting certificationsSimilar credentials, often including insurance licenses and underwriting training
Work EnvironmentInsurance companies, brokerage firms, underwriting officesInsurance companies, underwriting departments, claims offices
Industry UsageCommonly used in property and casualty insuranceUsed across property, casualty, and specialty insurance sectors
Job FocusAssessing and binding insurance policies based on contractsEvaluating property risks and determining coverage terms

The main difference is that Binding Contract Underwriters focus on finalizing and binding insurance policies based on contractual agreements, while Property Underwriters primarily evaluate property risks to determine coverage options. Both roles require similar credentials and work within the insurance industry, but their specific responsibilities differ in scope and focus.

What are popular job titles related to Binding Contract Underwriter jobs?

For Binding Contract Underwriter jobs, the most frequently searched job titles are:

Infographic showing various Binding Contract Underwriter job openings in the United States as of September 2026, with employment types broken down into 73% Full Time, 24% Part Time, 1% Temporary, and 2% Contract. Highlights an 85% Physical, 2% Hybrid, and 13% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter - Security Guard Program

Atlanta, GA

Ryan Specialty
See more jobs at Ryan Specialtyexternal

Full-time

PTO

Re-posted yesterday

Job description

Position Summary

Ryan Specialty National Programs (NSP) provides industry-focused insurance solutions designed for niche markets across the United States. Our in-house underwriting teams have binding authority, deep industry expertise, and access to specialized carrier partners, allowing us to deliver tailored solutions for complex risks.
The Security Guard Program is dedicated exclusively to security service providers, offering insurance solutions for both armed and unarmed security guard operations nationwide. Our clients protect commercial properties, financial institutions, residential communities, construction sites, healthcare and educational facilities, and government entities.
As we continue to grow, we are seeking an Underwriter who is excited to become a subject matter expert in a highly specialized and evolving market.
The Underwriter will be responsible for evaluating, pricing, quoting, binding, and managing a portfolio of Security Guard insurance accounts. This individual will partner closely with retail agents, brokers, carrier partners, and internal stakeholders to drive profitable growth while delivering exceptional service.
This role is ideal for an underwriting professional who enjoys analyzing unique risks, building strong broker relationships, and becoming a trusted expert within a specialized program business.

What will your job entail?

What You'll DoUnderwriting & Risk Analysis
  • Review new business, renewals, and endorsements for security guard and patrol service risks.
  • Analyze exposures, loss history, operations, financial information, and risk characteristics.
  • Determine pricing, terms, conditions, and coverage structures in accordance with underwriting guidelines.
  • Exercise sound underwriting judgment to balance growth and profitability objectives.
  • Issue quotations, bind coverage, and manage policy transactions within delegated authority.
Portfolio Management
  • Manage and grow a profitable book of business.
  • Monitor retention, rate adequacy, loss performance, and portfolio trends.
  • Identify opportunities to expand accounts through additional coverages and product offerings.
  • Participate in renewal strategy discussions and underwriting audits.
Agency & Broker Partnership
  • Develop and maintain strong relationships with retail agents and brokerage partners.
  • Serve as a trusted advisor on security guard industry risks and insurance solutions.
  • Respond promptly to submissions, coverage questions, and underwriting inquiries.
  • Support marketing initiatives, agency visits, and industry events as needed.
Collaboration
  • Partner with leadership, carrier partners, and business development teams to achieve growth objectives.
  • Work closely with underwriting assistants, operations, and service teams to ensure a seamless customer experience.
  • Assist in refining underwriting guidelines, processes, and program strategies.
Target Classes You'll Evaluate

The Security Guard Program focuses on risks including:

  • Armed and unarmed security guard companies
  • Patrol service providers
  • Construction site security
  • Office and commercial building security
  • Banks and financial institutions
  • Industrial facilities
  • Educational and healthcare institutions
  • Residential communities and housing developments
  • Government and public sector contracts
What We're Looking ForRequired Qualifications
  • 3+ years of commercial insurance underwriting experience.
  • Experience underwriting casualty, package, workers' compensation, professional liability, or specialty insurance products.
  • Strong analytical and risk assessment skills.
  • Ability to evaluate complex submissions and make sound underwriting decisions.
  • Exceptional communication and relationship-building abilities.
  • Strong organizational skills and attention to detail.
  • Ability to manage multiple priorities in a fast-paced environment.
Preferred Qualifications
  • Experience within E&S, MGA/MGU, program business, or specialty insurance markets.
  • Knowledge of contractor, security services, staffing, government service contractor, or service-industry risks.
  • Experience working with delegated underwriting authority.
  • Professional designations such as CPCU, AU, ARM, or CRIS.
  • Prior broker-facing or agency-facing experience.
What Makes This Opportunity Unique
  • Join a nationally recognized specialty insurance platform.
  • Become a subject matter expert in a niche and highly specialized industry.
  • Manage a book with meaningful underwriting authority and influence.
  • Gain exposure to complex casualty, professional liability, and specialty insurance placements.
  • Work alongside experienced program leaders focused on innovation, growth, and underwriting excellence.
Licenses & Certifications
  • State Property & Casualty license
  • CPCU, ARM, AU, CRIS, or other insurance designations preferred.

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 $100,000.00 - $125,000.00 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 HR@Ryansg.com

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.

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