Use this handy image as a guideline for Commercial Property Underwriting information. - See more at: https://www.cbiz.com/Insights-Resources/Details/ArticleID/1356/Commercial-Property-Underwriting-Risk-Characteristics-infographic#sthash.jK45wYJf.dpuf

1. Commercial Property Underwriting Risk Characteristics
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 Modied Fire Resistive (MFR)
CSP 7 Fire Resistive (FR) TOTAL SQ. FEET ROOF TYPE
HAZARDS
Use Google Earth and get
an aerial of the building
onstruction
ccupancy
rotection
xposures
Number of
STORIES
FLAT
or
PITCHED
COPE Insurance Impacts
Loading Docks/
Forklifts
BUILDING T YPE
Manufacturing
Welding, Spray painting
Warehouse
Type of Storage –
Plastic, Rack Storage,
Flammable Liquids
Commercial Ofce
Assembly/
Large Amount
Of People
Special
TYPE Hazards
EXIT
LIFE SAFETY FIRE DETECTION
FIRE PROTECTION
PUBLIC PROTECTION
CLASS
WATER SUPPLY
Emergency 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 DEPARTMENT
RESPONSE
SURROUNDING PROPERTY PHYSICAL INSPECTION GOOGLE EARTH AERIAL
What is surrounding the property within
Survey
50’ to 500’ that could impact the property