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The category of insurance where states are most likely to require risk control services is commercial insureds. This is primarily due to the nature and diversity of risks associated with commercial operations, which can vary greatly depending on the industry and business size. States often implement regulations that necessitate businesses to adopt specific risk management practices to mitigate exposure to losses, improve workplace safety, and protect employees and customers.

Commercial insurance encompasses various coverage types, including property, liability, and workers' compensation, each of which may come with mandated risk control measures. For instance, businesses might be required to undergo safety inspections, implement safety training programs, and establish emergency response plans. These measures not only help reduce claims frequency and severity but also promote overall risk awareness within organizations.

In contrast, while automobile, homeowners, and life insurance also involve risk management aspects, they do not typically see the same level of state-mandated risk control services as commercial insurance. Requirements for personal lines like automobile and homeowners insurance may focus more on basic coverage regulations rather than comprehensive risk management practices. Life insurance primarily evaluates individual risk factors at the underwriting stage rather than imposing ongoing risk control mandates.