In risk management, what can customers do to spread risk?

Transferring risk to multiple co-insurers is a common practice used by customers in risk management to spread their risk exposure. By doing this, a customer ensures that no single insurer bears the entire burden of potential losses, which can help maintain financial stability in case of a large claim. This strategy allows the customer to manage potential financial impacts more effectively, balancing the distribution of risk among several parties.

The other options do not effectively represent the method of spreading risk. Investigating all potential risks, while important for understanding one's risk landscape, does not inherently spread risk among different entities. The idea of completely eliminating all risks is unrealistic, as risk is an inherent part of most business activities. Lastly, negotiating higher premiums does not contribute to risk spreading; instead, it typically involves shifting more financial responsibility onto the customer rather than dispersing risk.