An insurance underwriter is a professional responsible for assessing and evaluating the risks involved in insuring people, properties, or assets. Their primary role is to decide whether to provide insurance coverage and, if so, under what terms. By analysing information such as the applicant's history, the value of the asset, or potential risks, the underwriter determines the appropriate premiums and coverage limits. They balance the need to protect the insurance company from excessive risk while offering fair and competitive policies to customers. Essentially, underwriters play a crucial role in ensuring the financial stability of both the insurer and the policyholder.