In which class of insurance is an underwriter most likely to request a risk survey?

In the context of insurance underwriting, a risk survey is particularly relevant in commercial insurance because the risks associated with business operations can be complex and varied. Commercial properties and activities can involve multiple factors such as liability, property damage, employee safety, and environmental concerns. An underwriter requests a risk survey to gather detailed information about the risks inherent in a business's operations, its property, and its environment.

This comprehensive assessment allows the underwriter to tailor coverage and pricing accurately based on the specific risks presented by the business. In contrast, other types of insurance, such as household buildings insurance, motor insurance, and medical expenses insurance, typically rely on standardized data and do not often necessitate the in-depth analysis that a risk survey provides. Thus, the nature of commercial insurance demands a more detailed examination of risk, making the request for a risk survey a common practice.