commercial property underwriting risk characteristics
TRANSCRIPT
Use Google Earth and get an aerial of the building
onstruction
ccupancy
rotection
xposures
CSP 1 Frame (FR)CSP 2 Heavy Timber (HT)CSP 3 Joisted Masonry (JM)CSP 4 Non-Combustible (NC)CSP 5 Masonry Non-Combustible (MNC)CSP 6 Modi�ed Fire Resistive (MFR)CSP 7 Fire Resistive (FR) TOTAL SQ. FEET ROOF TYPE
Number of
STORIES
FLATor
PITCHED
COPE Insurance Impacts
Loading Docks/
Forklifts
BUILDING TYPEBUILDING TYPE
Warehouse
Manufacturing
Commercial Of�ce
Type of Storage – Plastic, Rack Storage, Flammable Liquids
Welding, Spray painting
Assembly/ Large Amount Of People
SpecialHazardsBUILDING TYPE
HAZARDS
EXIT
LIFE SAFETY FIRE DETECTION
FIRE PROTECTION
PUBLIC PROTECTION CLASS
WATER SUPPLYEmergency Lighting,
Exit Signs, Fire Evacuation Plan
Fire Alarm System (local or Central Station)
Portable Fire Extinguishers(Extinguishing Systems – Cooking, Special, Sprinkler Systems – ask for latest 2”) Main Drain Test/Maintenance of System (Wet, Dry, Pre-action, Deluge)
FIRE DEPARTMENTRESPONSE
PHYSICAL INSPECTIONSURROUNDING PROPERTY GOOGLE EARTH AERIALWhat is surrounding the property within
50’ to 500’ that could impact the propertySurvey
Commercial Property Underwriting Risk Characteristics