Commercial properties can be complex, with hidden exposures
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.
Smarter, more efficient underwriting
Better understand the commercial properties in your portfolio with comprehensive building reports.
Access actionable, reliable data
Count on property details collected by experienced field representatives—on-site or using advanced remote technology and high-resolution imagery.
Underwrite confidently
Determine more accurate premiums and coverage with highly detailed construction, occupancy, protection, and exposure data.
Remove the guesswork
Make smart underwriting decisions from the start based on our 100% fill rate for the five core property attributes you need.
A report for every property
Building Underwriting Report
Data collected via on-site surveys by experienced field representatives.
Property Details Report
Data collected from exterior-only, on-site or remote surveys by experienced field representatives.
Building Fundamentals
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 |
Better prioritize your property underwriting
Related resources
Stay in the know about important industry trends and innovative solutions.
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Five core commercial property attributes for data-driven underwriting
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For actionable building information, you need to COPE
Insurers need high-quality information on construction, occupancy, public and private fire protection, and exposure—otherwise known as COPE.
Do more with the Verisk ecosystem
Future-proof your business with a partner that helps you and your customers build resiliency.
Commercial roof details
Identify high-risk exposures and mitigate potential claims with critical roof details.
Replacement cost estimates for commercial property
Keep property owners better protected with reliable, component-based, claims-driven replacement cost estimates.
Sprinkler information
Reliably estimate a sprinkler system’s ability to contain fire spread based on building occupancy.
Address-level risk data and information
Get risk-specific, address-level information for every property in your book of business.
Property-specific loss costs
Determine adequate premium with tailored loss costs for competitive quoting.
Commercial surveys and inspections
Use on-site and remote surveys and inspections for objective data on commercial properties and their potential loss exposure.
Contact us to learn more
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