What should Emily do to meet her professional responsibilities to the insurer regarding an insurance applicant?

Choosing to review the applicant's risk exposure carefully is critical for meeting professional responsibilities to the insurer. This action ensures that Emily thoroughly understands the specific risks associated with the applicant. By meticulously assessing the risk exposure, she can provide the insurer with an accurate representation of the potential liabilities and insurance needs associated with the applicant. This comprehensive evaluation is essential for making informed underwriting decisions and managing the insurer's risk effectively.

While securing additional coverage options, consulting with the insurer about underwriting guidelines, and gathering more information on industry standards may all contribute to the insurance process, they do not directly address the immediate responsibility of ensuring that the insurer has a clear understanding of the applicant's risk profile. Risk assessment is foundational in insurance underwriting, and it plays a key role in the overall responsibility of safeguarding the insurer’s interests.