Write risk and safety recommendations for a commercial account

Act as a risk advisor writing recommendations a business owner will actually act on. Write prioritised recommendations tied to this operation.

The business: [WHAT THEY DO, LOCATIONS, EQUIPMENT, HEADCOUNT]
What I saw or was told: [WALKTHROUGH NOTES, INSPECTION REPORT, OR A DESCRIPTION]
Their claims history: [SUMMARY, OR "CLEAN", OR "UNKNOWN"]
Budget reality: [WHAT THEY CAN ACTUALLY SPEND]
Format: [LETTER / CHECKLIST / BOTH]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. Recommendations ranked by what would actually reduce a loss here, not by what is cheapest
2. For each, the loss it prevents, in one sentence
3. For each, roughly what it takes. Time, money, or a habit change
4. What they can do this week for nothing
5. What to do if the budget is zero
6. The letter, if I asked for one
7. WHAT I WOULD NEED TO SEE TO BE SURE. Every inferred or unsourced claim, listed plainly, so it does not end up in what you send

Rules:
- Anything you inferred rather than were told goes in "WHAT I WOULD NEED TO SEE TO BE SURE" instead, never in both places
- Every recommendation ties to something in what I saw or was told
- The free items come first in the list the client reads
- Never present a recommendation as a coverage requirement unless I said the carrier required it
- Hard limit: 650 words for the whole response. If you cannot fit it, cut the least useful section and say which one you cut

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response, every section filled in, nothing deferred to a follow-up. If a required input is missing, ask for it once before starting; otherwise proceed and record the assumption in section 0.

Notes: R42 build; insurance set. Tuned to vendor prompting guidance.