In commercial insurance, there's a question of how intrusive the insurance company should be. My favorite insurance company, The Hartford Steam Boiler Insurance Company, established in 1866, was finally bought out by Munich Re a few years ago. Hartford Steam Boiler insures boilers and equipment in industrial plants. Most of their employees are inspectors. If you want to buy a policy from them, they come out and inspect the equipment. They give you a list of what you have to fix. Then they come back to inspect after everything is fixed. Then they sell you a policy. They also inspect again, randomly and unannounced. Cut corners on maintenance, and HSB cancels your policy. The premiums are low, because boilers inspected by Hartford Steam Boiler don't blow up.
Most companies hate that, even though the premiums are lower.