• Gathering and assessing background information in order to effectively assess the risk involved• Ensuring that premiums are coming petitive• Specifying conditions to be imposed on different types of policies, ie, asking that a property owner install a security alarm• Calculating possible risk and deciding how much individuals or organisations should pay for insurance (the premium)• Deciding whether the risk should be shared with a reinsurer;• Computing results for appropriate premiums using actuarial information, other statistics and own judgement• Keeping detailed and accurate records of policies underwritten and decisions made• Gathering information and various types of reports from specialists• Negotiating terms with policyholders or their brokers• Negotiating with brokers and drawing up contracts• Writing policies