Important Commercial
Property Insurance
Rating Factors
Fire risk is usually the
largest factor that will
determine your commercial
property insurance rates.
State-licensed fire
inspectors will perform
inspections as part of the
underwriting process and
use a standard rating
system that focuses on five
important factors to
determine a buildings fire
rating.

Construction Materials
Buildings made of
potentially combustible
materials will have higher
premiums, while those
made of fire-resistant
materials could earn a
discount. You should speak
with an insurance agent
before remodeling because
Additions to an existing
structure could negatively
affect a fire rating.

Internal Structural
The use of wood partitions,
floors, and stairways in an
otherwise fire-resistant
building will likely nullify any
rate reduction gained by
exterior fire-resistant
construction.

Location & Exposure
Buildings in cities or towns
with good fire protection
typically cost less to insure
than buildings outside a city
where fire protection may
be limited. Nearby hazards
increase a buildings fire
risk. Proximity to external
fire hazards, such as a
lumberyard or oil storage
tank affects a fire rating
significantly.

Buildings Use
An office building typically
rates better than a
restaurant or auto repair
shop because less risk is
expected. In a building with
multiple tenants, one
hazardous occupant will
negatively affect the fire
rating of the entire building.
If your business is in a
building with a more
hazardous business, your
premiums will be higher. It
pays to know who else is in
your building and what
products they produce.

Fire Protection Measures
Automatic sprinklers can
reduce a building's fire
rating by as much as 50%.
Buildings with fire
extinguishers and automatic
alarms and those within 500
feet of a standard fire
hydrant will usually have
lower ratings.
STUART
(772) 287-1560
(772) 287-1950 fax

49 SW Monterey Road
Stuart, FL 34994
M-F 9:30 - 5:00
INSURANCE AGENCY
AGRILLO
Click on the link below to
fill out a Florida Commercial
Property Insurance quote form.
772-287-1560
Since 1992
Agrillo Insurance Agency
© 2005, All Rights Reserved
Agrillo Insurance Agency of Stuart, Florida
Commercial Property
Insurance Services