A commercial underwriter is a professional in an organization who makes decisions about property and policy risks. The underwriter is responsible for ensuring that a company makes smart financial decisions that will contribute to a higher quality of business. This involves evaluating business risks and decisions that could have a large impact on the company as a whole. It is also the duty of a commercial underwriter to investigate relationships that the business makes with other businesses or individuals. These relationships can have long-term positive or negative effects on the company, so their evaluation at the outset by an experienced professional is crucial.