Hard hats and hazards. All in a day's work.
Insurance inspectors spend their days out in the field assessing residential and commercial buildings, among other things.
When you need detailed information to determine the risks involved in approving companies for coverage, there is always a chance of property damage or bodily injury.
Let's say you plan to inspect a cluttered room and the person who let you in the building slips and falls on the items you moved. That's when you need a general liability policy so you're protected from lawsuits and damages.
General liability claims are very expensive. It doesn't take an inspector to determine the long-term viability of a business that takes shortcuts on insuring its employees.