What professional role includes assessing insurance claims and determining liabilities?

The role that includes assessing insurance claims and determining liabilities is that of an adjuster. An adjuster is responsible for investigating claims, gathering relevant information, evaluating the circumstances surrounding the claim, and ultimately deciding how much the insurance company should pay in case of a loss. This requires a thorough understanding of the insurance policy, as well as the ability to analyze evidence and apply legal principles to ascertain fault and liability.

In contrast, the other options represent different functions within the insurance industry. A broker acts as an intermediary between clients seeking insurance and the insurance companies, helping clients find suitable coverage. An agent typically represents an insurance company and sells its policies, focusing on policy issuance rather than claims assessment. An underwriter evaluates applications for insurance, determining the risks associated with insuring a client and deciding on coverage terms and premiums. These roles are distinct and do not involve the specific task of assessing claims and liabilities like an adjuster's responsibility.