Who of the following is an employee of the insurance company?

The underwriter is an employee of the insurance company because their role is to assess risk and determine the terms and conditions under which insurance coverage will be provided. Underwriters analyze applications for insurance, evaluate the acceptance of risk, and help set premiums accordingly, all of which are integral functions of the insurance company's operations. This position requires a deep understanding of the company's policies and the specific risks associated with different types of coverage, making the underwriter a crucial part of the company's workforce.

In contrast, independent adjusters are typically contracted on a freelance basis to assess claims for insurance companies but are not employees. Brokers function as intermediaries between clients and insurance providers and do not work for the insurance companies directly. The client is the individual or entity seeking insurance coverage and is not part of the insurance company's organization.