Every underwriter should have a good understanding of hazards. Does the building have a fire protection system? How are flammable liquids stored? Does the building have a properly designed and maintained sprinkler system? Is the water supply adequate? Has the site installed cooking equipment and extinguishing systems properly? Does the property have crime deterrents in place?
When you're underwriting a commercial property, everyone benefits when you give your insured recommendations for reducing hazards and improving protection deficiencies at the property.