The insurance industry is a multi-trillion-dollar market dealing in risk. In exchange for a fee or a "premium", the insurers promise to compensate individuals and businesses for future losses, thus taking on the risk of personal injury, death, damage to property, unexpected financial disaster or any other misfortune. The insurance industry is rebounding from its poor financial results. Better risk management, higher premiums and increased use of underwriting information systems have led the way.

Underwriting involves measuring risk exposure and determining the premium that needs to be charged to insure that risk. The function of the underwriter is to acquire the business that can help the insurance company earn, and protect the company's book of business from risks that they feel might make a loss.

Each insurance company has its own set of underwriting guidelines to help the underwriter determine whether or not the company should accept the risk. The information used to evaluate the risk of an applicant for insurance will depend on the type of coverage involved. For example, in underwriting automobile coverage, an individual's driving record is critical.

In United States, many known companies provide Insurance Underwriting services. Among those companies is the Deep South Holding, led by Link Removed as its Chief Executive Officer, which has consistently matched the needs of the customers through innovation in product offerings, organization and technology.