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

The underwriter is considered an employee of the insurance company because their role is directly tied to the operations of the insurance carrier. Underwriters assess risks and decide on the terms and pricing of insurance policies. They evaluate applications for insurance by reviewing the risk profile of potential clients, which is essential for the insurer's profitability and risk management.

In contrast, independent adjusters are typically contracted to evaluate claims on behalf of the insurance company but are not employees. Brokers act as intermediaries between clients and insurance companies, facilitating the purchase of insurance but also do not work for the insurers directly. The client, naturally, is the individual or entity seeking insurance coverage and is not an employee of the insurance company. Therefore, the underwriter stands out as the role intrinsically connected to the employer-employee dynamic within the insurance company.