Under a businessowners policy, which of the following is not a right of the insurer regarding inspections and surveys?

In a businessowners policy, the insurer retains certain rights that are crucial for assessing risk and ensuring proper coverage. While the insurer has the right to schedule inspections periodically and conduct surveys to assess risks and inspect records related to operations, it does not relinquish the right to inspect the insured's property and operations altogether. Therefore, the assertion that the insurer does not have the right to inspect the insured's property and operations is correct.

Inspections help insurers evaluate the risk associated with providing coverage, understand the insured's operations, and ensure that underwriting guidelines are being followed. Insurers often conduct these inspections as part of their risk management process. Without the ability to inspect, the insurer would not be able to make informed decisions regarding policy renewal, premium adjustments, or the need for additional coverage limits.