Position Summary
The Property and Casualty Underwriter (Pest Control) is responsible for managing and growing a specialized portfolio of pest control accounts while driving new and renewal business opportunities. This role evaluates risks unique to pest control operations-including chemical usage, environmental exposures, and liability risks-analyzes underwriting data, and determines appropriate coverage terms and pricing to ensure profitable and compliant underwriting decisions. The Underwriter partners closely with brokers and stakeholders to deliver tailored insurance solutions for pest control businesses.

What will your job entail?

Job Responsibilities:

• Underwrite new and renewal pest control business by reviewing applications, policy forms, broker endorsement requests, and supporting documentation in accordance with underwriting guidelines.
• Evaluate pest control risks, including chemical application, environmental exposure, worker safety practices, licensing compliance, and operational procedures, to determine acceptability.
• Determine appropriate coverage limits, policy terms, and pricing based on risk characteristics and underwriting authority.
• Accept, modify, or decline risks through detailed analysis of factors such as services offered (e.g., fumigation, termite control), geographic exposure, claims history, and regulatory compliance.
• Deliver high-quality underwriting service for both new and renewal business while maintaining technical expertise and adherence to company standards.
• Ensure compliance with state regulations, environmental laws, and carrier guidelines specific to pest control operations.
• Actively manage portfolio performance, including profitability, growth, and retention of accounts.
• Develop premium forecasts and support business planning to meet financial and performance targets.
• Build and maintain strong relationships with brokers, agents, and program partners specializing in pest control and environmental services.
• Collaborate cross-functionally to manage submissions, quotes, binds, and policy issuance with timeliness and accuracy.
• Identify opportunities for new business and drive retention through proactive renewal management and client engagement.
• Participate in marketing initiatives, industry associations, pest control trade events, and training programs to strengthen market presence.
• Stay informed of industry trends, emerging risks (e.g., environmental liability, chemical regulations), and evolving underwriting practices within the pest control sector.

Qualifications & Experience

• Bachelor's or Master's degree in Risk Management, Business Administration, Environmental Science, or a related field (or equivalent experience).
• Minimum of 5+ years of experience in Property & Casualty underwriting, preferably within pest control, environmental services, or service contractor segments.
• Strong understanding of liability exposures related to chemical use, environmental risks, and service-based operations.
• Proven analytical, decision-making, and portfolio management skills.
• Excellent communication, negotiation, and relationship management capabilities.

Licenses & Certifications

• Must meet state requirements for Property & Casualty and/or surplus lines licensing.
• Chartered Property Casualty Underwriter (CPCU) designation preferred.

The target salary range for this position is $85,855.00 - $100,000.00 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/.

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.