Final answer:
Insurance companies can insure appropriate occupant response by incentivizing the installation of top-level security and fire sprinkler systems.
Step-by-step explanation:
Insurance companies can insure appropriate occupant response by incentivizing certain behaviors such as installing top-level security and fire sprinkler systems. By offering lower rates on property insurance to businesses that have these systems in place and regularly inspected, insurance companies reduce the risks and potential losses associated with property damage. This encourages businesses to take proactive measures to protect their properties and ensures that appropriate occupant response is in place in case of emergencies.