Underwriting and Rating

ProMetrix Commercial Building Reports

In the accelerating commercial property insurance market, customers expect prompt quotes with minimal effort. Win their business with reliable, actionable data to drive quick decisions.

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.

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Property Details Report

Data collected from exterior-only, on-site or remote surveys by experienced field representatives.

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Building Fundamentals

Fundamental property characteristics, modeled using insights from tax assessor data and historical on-site data.

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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 – on multiple hazards, building codes, mitigation, and protection	x	x	x
Business and Public Record Detail – including tax and market sale information, location and site, and property characteristics	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

Select individual risks and prioritize loss control with our Relative Hazard Percentile, an objective risk score that uses a precise engineering formula to classify properties based on building characteristics compared with state and national averages.

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Writing Notes And Collaborating On Screens

Related resources

Stay in the know about important industry trends and innovative solutions.

White paper

Five core commercial property attributes for data-driven underwriting

ProMetrix gives commercial property insurers a 100% fill rate for five core attributes that are essential for effective underwriting.

Read the white paper

Flyer

Verified commercial property data when you need it

Get reliable property data in three business days or less with a virtual Property Details Report from Verisk.

Download the flyer

Article

Property data on-demand: Leveraging technology and field expertise

When you need reliable property data quickly, Verisk delivers a Virtual Property Details Report in three business days or less.

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Article

Make smarter decisions—faster—with the right commercial property data

ProMetrix provides a 100 percent fill rate for the core commercial property attributes underwriters rely upon for decision-making.

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Article

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.

Read the article

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.

Learn about the Roof Underwriting Report

Replacement cost estimates for commercial property

Keep property owners better protected with reliable, component-based, claims-driven replacement cost estimates.

Learn about 360Value for Commercial Property

Inspecting Plumbing In Commercial Building

Sprinkler information

Reliably estimate a sprinkler system’s ability to contain fire spread based on building occupancy.

Learn about Sprinkler Assessment Report

Address-level risk data and information

Get risk-specific, address-level information for every property in your book of business.

Learn about LOCATION

Property-specific loss costs

Determine adequate premium with tailored loss costs for competitive quoting.

Learn about Loss Cost Reports

Commercial surveys and inspections

Use on-site and remote surveys and inspections for objective data on commercial properties and their potential loss exposure.

Learn about Commercial Property Surveys and Inspections

Contact us to learn more

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

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Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

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1-800-888-4476

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International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

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