English to Hindi Bus/Financial Insurance underwriting

What should be the translation of "underwriting" here, should it be हामीदारी or अवलेखन?

underwriting Environmental, Social, and Governance (ESG) risks in the non-life insurance industry
गैर-जीवन बीमा उद्योग में पर्यावरण, सामाजिक व प्रशासन (ईएसजी) जोखिमों की हामीदारी / का अवलेखन


following are some examples from the text where this term has been used
• to develop non-life underwriting guidelines that focus on ESG risks
• Identify the barriers to creating underwriting guidelines for ESG risks
• Guidance is provided by underwriting criteria policy or guidance

I am confused on how should I translate "underwriting" in all texts

Thanks for the response.