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Vegas Injury Law

Welcome to Vegas Lawyer. This site is for people who were hurt in Nevada. Contact us for a free consultation. You may want to read the Las Vegas Personal Injury Law introduction on our home page. Also, you can get an overview of other claims like Wrongful Death, Auto Accidents, Slip & Fall, and Products Liability before you explore the Article below.

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  • Cost-Effectiveness Analysis And Product Liability
  • Types Of Business Insurance
  • Admitting Scientific Evidence
  • Insurance Agents and Brokers
  • Police Pursuits and Civil Liability
  • Insurance Underwriters


  • Insurance Underwriters

    Insurance companies protect individuals and organizations from financial loss by assuming billions of dollars in risks each year. Underwriters identify and analyze the risk of loss from their policyholders, establish appropriate premium rates, and write policies that cover that risk. An insurance company may lose business to competitors if the underwriter appraises risks too conservatively, or it may have to pay more claims if the underwriting actions are too liberal.

    Technology plays an increasingly important role in an underwriter's job. Underwriters use computer applications called "smart systems" to manage risks more efficiently and accurately. They enter into the computer various information relating to a person or organization whose application for insurance is pending. These systems automatically analyze and rate insurance applications, then recommend acceptance or denial of the risk, or they adjust the premium rate in accordance with the risk. Underwriters are then better equipped to make sound decisions in an effort to avoid excessive losses in the future.

    With the aid of computers, underwriters analyze information in insurance applications, reports from loss control consultants, medical reports, and actuarial studies—reports that describe the probability of insured loss. They then decide whether to issue a policy and outline the terms of the contract, including the amount of the premium. Underwriters sometimes correspond with policyholders, agents, and managers about policy cancellations or other matters. On rare occasions, they accompany sales representatives on appointments with prospective clients.

    Most underwriters specialize in one of three major categories of insurance—life, property and casualty, or health. They further specialize in group or individual policies. Property and casualty underwriters often specialize by type of risk insured, such as fire, homeowners, automobile, marine, property, liability, or workers' compensation. In cases where casualty companies insure in a single "package'' policy, covering various types of risks, the underwriter must be familiar with different lines of insurance. Some underwriters, called commercial account underwriters, handle business insurance exclusively. They often evaluate a firm's entire operation in appraising its application for insurance.

    An increasing proportion of insurance sales, particularly in life and health insurance, are being made through group contracts. A standard group policy insures everyone in a specified group through a single contract at a standard premium rate. The group underwriter analyzes the overall composition of the group to assure that the total risk is not excessive. Another type of group policy provides members of a group—a labor union, for example—with individual policies reflecting their needs. These generally are casualty policies, such as those covering automobiles. The casualty underwriter analyzes the application of each group member and makes individual appraisals. Some group underwriters meet with union or employer representatives to discuss the types of policies available to their group.

    This information came from an
    FCIC online article.

    *** Any law, statute, regulation or other precedent is subject to change at any time ***

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    DEMPSEY, ROBERTS & SMITH, LTD.
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    Las Vegas, Nevada 89101

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