The Underwriter
Large fiend, lawful evil
When the dam went up, somebody had to bond it, and the bond outlived the company that signed it. The Underwriter walks the crest road in a coat of stamped tin tallies, auditing the whole valley against a ledger nobody else can read. It does not bargain. It collects — first the interest, then the principal, then whatever you were holding onto while you read this.
Armor Class 18 (tally-plate)
Hit Points 184 (16d10 + 96)
Speed 30 ft.
- STR
- 20 (+5)
- DEX
- 18 (+4)
- CON
- 22 (+6)
- INT
- 18 (+4)
- WIS
- 16 (+3)
- CHA
- 20 (+5)
Saving Throws Cha +9, Str +9
Skills Insight +7, Deception +9, Intimidation +9
Damage Resistances cold, bludgeoning, piercing, and slashing from nonmagical attacks
Damage Immunities fire, poison
Condition Immunities poisoned
Senses darkvision 120 ft., passive Perception 13
Languages Common, Infernal
Challenge 11
Traits
Magic Resistance. The underwriter has advantage on saving throws against spells and other magical effects.
Devil's Sight. Magical darkness does not impede the underwriter's darkvision.
Actions
Multiattack. The underwriter makes three attacks: two with its hellbrand claws and one with hellfire bolt.
Hellbrand Claw. Melee Attack Roll: +9, reach 10 ft. Hit: 18 (2d12 + 5) Slashing damage plus 7 (2d6) Fire damage.
Hellfire Bolt. Ranged Attack Roll: +8, range 120 ft. Hit: 17 (2d12 + 4) Fire damage.
Seize Collateral (Recharge 5–6). One creature within 30 feet must succeed on a DC 17 Charisma saving throw or have one magic item it carries suppressed until the end of the underwriter's next turn. A suppressed item grants no properties and cannot be activated.
