Final answer:
To help a customer purchasing a building with a commercial venture, the customer service representative should first help the customer understand the property and liability exposures from the purchase. This knowledge informs the selection of the appropriate insurance coverage, possibly involving policies with higher copays or premiums, providing a tailored insurance solution.
Step-by-step explanation:
The best approach for a customer service representative (CSR) to efficiently and competently help a customer purchasing a building with a restaurant and apartments would be D. Help the customer determine what property and liability exposures he will assume in the purchase. This is a proactive measure that provides immediate assistance and valuable information relevant to the customer's specific situation, allowing for a personalized insurance solution. Once the exposures are identified, the CSR can make informed recommendations, including referring the customer to a specialized agency if needed, arranging a walk-through, or submitting an application to an underwriter. Understanding the customer's needs will guide the CSR to offer the most appropriate insurance coverage, which may involve considerations of high copay policies for those willing to pay less upfront but can handle higher out-of-pocket expenses per claim, or high premium policies with lower copays for customers preferring more predictability in their expenses.