Who is responsible for writing all insurance policies?

The underwriter is primarily responsible for writing all insurance policies. This role involves assessing risk and determining the terms and conditions of insurance coverage. Underwriters evaluate applications for insurance, considering various factors such as the applicant's history, potential risks, and the overall financial implications for the insurance company.

By doing so, they develop and write policies that outline the coverage provided, any exclusions, and the associated premiums. Underwriters play a crucial role in ensuring that the insurance policies are both profitable for the insurer and fair for the policyholder.

Other roles, such as insurance agents, may facilitate the selling of policies and help clients understand the coverages, but they do not have the authority to create or dictate the terms of the policies themselves. Similarly, claims adjusters deal with claims after they have been filed, and the policyholder may request coverage but does not have a role in the policy creation process.