Would like to talk with an insurance underwriter.....

Are there any aviation insurance underwriters on the group?
I'd like to understand better the factors that go into insuring a
customer.
For example, I put in a claim for damages which occured during
training, when I was not the PIC. I'd like to understand if the
insurance underwriter is looking simply at the fact that I had a claim,
or if he's also looking at 'who caused the problem', or what. - Mike