is a person authorized by an insurance company to accept risks for insurance and reinsurance. The other meaning is a person who puts signature on the policy. Usually it is a highly qualified expert in the area of insurance, carrying out risk assessment when taking specific facility or individuals on insurance (underwriting). Often, an underwriter relies on data received by surveyor. It is also entitled to determine tariff rates and specific terms and conditions of insurance agreement as well as to make a conclusion on possibility (or impossibility) to conclude an insurance agreement under certain conditions.