In addition to the typical policy provisions, Part ____ also describes the insurer's right to conduct inspections of the insured's workplaces.

• A. Part One
• B. Part Six
• C. Part Two
• D. Part Three

Answer: (B)

Insurer inspections are a risk-control and underwriting feature that allows the insurer to verify safety practices, conditions, and information used to determine premiums. In workers compensation and employers liability policy forms, this authority is described in a section commonly titled Inspections and Surveys (Part Six). This part explains that the insurer may inspect the insured’s workplaces to assess hazards, review safety procedures, and confirm payroll classifications and other information relied on for rating. The purpose is to help prevent losses and ensure accurate premium calculation, with the insured obligated to permit access and cooperate. Other parts of the policy deal with benefits, liability coverage, or other topics, but they do not establish the insurer’s right to conduct workplace inspections, which is why Part Six is the correct reference.