line underwriter

A line underwriter is an insurance professional responsible for evaluating, selecting, pricing, and accepting or rejecting risks within a particular line of insurance, such as property, casualty, auto, liability, or life insurance. To do so, line underwriters apply underwriting guidelines, loss experience, risk characteristics, and available capacity to determine whether coverage should be offered and on what terms, conditions, limits, and premium. They may also review renewals, endorsements, and changes in exposure to help maintain a profitable and balanced book of business.