Christopher Ryan, CPCU, AU-M, AINS
Westerville,OH
Summary
Commercial P&C underwriting professional with 11 years of underwriting experience, including more than 6 years in Excess & Surplus Lines. Experienced in underwriting General Liability, Property and Inland Marine risks through wholesale distribution channels. Strong background evaluating contractors, habitational, manufacturing, restaurants, and lessor's risk exposures while balancing profitability, growth, and service objectives. Proven ability to make independent underwriting decisions, negotiate terms with brokers, and build productive business relationships. CPCU, AU-M, and AINS designations.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Commercial Underwriter
Progressive Insurance
Columbus, OH
04.2021 - Current
- Underwrite new business commercial accounts across multiple industry segments including Contractors, Lessor's Risk, Retail/Service, and Restaurants. Accounts range from $750 to $40,000.
- Analyze risk characteristics, loss history, operations, and exposures to determine eligibility and pricing.
- Serve as a Senior Underwriting resource and mentor for less experienced underwriters.
- Performed quality reviews of new business submissions and provided underwriting guidance on complex or out-of-authority referrals from less experienced underwriters to ensure adherence to underwriting guidelines and profitability standards.
- Participate in underwriting projects and initiatives focused on improving underwriting quality and consistency.
- Consistently balance growth objectives with profitability and risk selection standards.
Commercial E&S Underwriter
Century Insurance Group
Westerville, OH
11.2015 - 04.2021
- Managed an $18M E&S commercial book of business consisting of new business, renewals, binding and Brokerage accounts across General Liability, Property, and Inland Marine lines.
- Evaluated new and renewal submissions using loss runs, applications, and supplemental underwriting data to determine pricing adequacy and risk acceptability.
- Achieved an annual production goal of $1.5M in new business premium while maintaining underwriting discipline and portfolio profitability.
- Underwrote artisan contractors, general contractors, specialty contractors, restaurants/bars/ taverns, large Lessor's Risk and habitational accounts, and light manufacturing risks. Accounts ranging from $500 up to $100,000 in premium.
- Negotiated coverage terms, pricing and conditions with wholesale brokers while maintaining strong agency relationships and service standards.
- Utilized underwriting platforms and rating tools to analyze exposures, generate quotes, and support timely underwriting decisions.
- Ensured accurate file documentation and maintained compliance standards through complete and well-supported underwriting records.
Education
Bachelor of Science - Economics
The Ohio State University
Columbus, OH08-2012
Skills
- Excess and Surplus Lines underwriting
- General Liability (GL) underwriting
- Property and Inland Marine
- Contractor, Lessor's Risk, Restaurants, and Manufacturing risks
- Wholesale Broker relationships
- New Business Production
- Risk Selection & Pricing
- Coverage Analysis and Form Interpretation
- Portfolio Management
- Underwriting Authority and Decision Making
Certification
- CPCU- November 2020
- AU-M- December 2017
- AINS- September 2017
Timeline
Senior Commercial Underwriter
Progressive Insurance
04.2021 - Current
Commercial E&S Underwriter
Century Insurance Group
11.2015 - 04.2021
Bachelor of Science - Economics
The Ohio State University