Data sources for commercial property may be incomplete or unreliable, which can lead to critical, costly errors. Mistaken information, once recorded, can linger in an insurer’s book for years, compounding potential premium leakage or contributing to poor customer retention.
Better understand the commercial properties in your portfolio with comprehensive building reports.
Count on property details collected by experienced field representatives—on-site or using advanced remote technology and high-resolution imagery.
Determine more accurate premiums and coverage with highly detailed construction, occupancy, protection, and exposure data.
Make smart underwriting decisions from the start based on our 100% fill rate for the five core property attributes you need.
Data collected via on-site surveys by experienced field representatives.
Data collected from exterior-only, on-site or remote surveys by experienced field representatives.
Fundamental property characteristics, modeled using insights from tax assessor data and historical on-site data.
What's included? | Building Underwriting Report | Property Details Report | Building Fundamentals |
---|---|---|---|
Occupancy – by Commercial Statistical Plan (CSP) code and other details |
x |
x |
x |
ISO Construction Class – 1 to 6 |
x |
x |
x |
Year Built – as a predictor of building standards and state of major systems |
x |
x |
x |
Number of Stories – as a measure of firefighting difficulty |
x |
x |
x |
Square Footage – to aid in replacement cost estimates and underwriting guidelines |
x |
x |
x |
Address-level data |
x |
x |
x |
Business and Public Record Detail – |
x |
x |
x |
Relative Hazard Percentile – an engineering formula-based evaluation of building construction, occupancy, protection, and risk exposure |
x |
x |
|
Exterior Photos – captured on-site by a field representative |
x |
x |
|
Sprinkler Score – for properties with automatic sprinkler systems to indicate eligibility for insurance rating credits |
x |
||
Loss Estimates: Type I & II – maximum expected percentage of estimated building and contents value to be damaged in a single fire event |
x |
Future-proof your business with a partner that helps you and your customers build resiliency.
Identify high-risk exposures and mitigate potential claims with critical roof details.
Keep property owners better protected with reliable, component-based, claims-driven replacement cost estimates.
Reliably estimate a sprinkler system’s ability to contain fire spread based on building occupancy.
Get risk-specific, address-level information for every property in your book of business.
Determine adequate premium with tailored loss costs for competitive quoting.
Use on-site and remote surveys and inspections for objective data on commercial properties and their potential loss exposure.