AU 61 Chapter 3 2025
Occupancy - answer How a building is being used
SCOPES - answer Specific Commercial Property Evaluation Schedule
*used for fire rating system
*assigns each occupancy CSP code
CSP - answer Commercial Statistical Plan
Four factors of occupancy hazard - answer-Basic occupancy charge
-combustibility of contents
-susceptibility of contents
-additional occupancy hazards
Basic Occupancy Charge - answerA rating system factor that reflects the relative
hazard of an occupancy for pricing purposes and is expressed as a percentage of the
base rate (ranges from 10 percent to 1,000 percent)
*high BOC magnifies effect of any additional hazards
Combusitibility - answerThe ability of something to ignite and burn. Major determinant of
the overall fire hazard.
Susceptibility - answerthe extent to which fire and its effects will cause damage to
materials
*how severe fire will damage BPP
*even if items don't burn, can be damaged by smoke & lose value
Combustibility Classes - answerC-1: Noncombustible
C-2: Limited combustibility
C-3: Combustible
C-4: Free Burning
C-5: Rapid/flash burning
Common Hazards - answerHazards existing in almost every class of business
occupancy, usually referring specifically to (1) housekeeping, (2) heating equipment, (3)
electrical equipment, and (4) smoking
Special hazards of the class - answerA characteristic typical of all occupancies in a
given class that can cause or aggravate a loss. An example is the hazard of cooking,
common to the restaurant class.
, Special hazards of the risk - answerA condition that can cause a loss but that is not
typical of an occupancy. An example is the use of a welding torch in an auto repair
shop.
6 types of occupancy types - answer-Habitational
-Office
-Institutional
-Mercantile
-Service Industry
-Manufacturing
Ignition source - answerItem, substance, process, or event capable of causing a fire or
explosion, such as open flames, sparks, or static electricity.
Spontaneous heating - answerAn oxidation process in which the temperature of a
material is increased without drawing heat from its surroundings
Jade, an underwriter, is reviewing a property insurance submission for Miller's Furniture,
a 70,000 square-foot area, privately-owned retail furniture store. Miller's offers a large
selection of area rugs; metal, wood, and upholstered furniture; and decorative items for
the home such as artwork, lamps, small sculptures, artificial flower arrangements, and
tapestry wall hangings. Much of the upholstered furniture is made with flame-retardant
fabric. Some of the wood items are solid oak, cherry, or mahogany, while other, more
modern pieces, are of painted and varnished wood. Of the four ISO occupancy rating
system factors, Jade's greatest concern with regard to underwriting Miller's account is
likely to be the - answerSusceptibility of contents
As they relate to occupancies, commercial fire rating systems, such as the method used
by ISO, indicate the - answerDegree of hazard that an occupancy presents in a
particular classification.
Which one of the following terms refers to the ability of an item or material to ignite and
burn? - answercombusitibility
Physical hazards increase the probable frequency or severity of a loss. Which one of
the following descriptions demonstrates special hazards of the class? -
answerMaintenance garage at a school bus depot
Physical hazards associated with structures can be most thoroughly analyzed if they are
divided into groups. Each of the following is an example of these hazard groups,
EXCEPT: - answeroccupational hazard
For most habitational occupancies, which one of the following is the leading cause of
fires? - answercooking
Occupancy - answer How a building is being used
SCOPES - answer Specific Commercial Property Evaluation Schedule
*used for fire rating system
*assigns each occupancy CSP code
CSP - answer Commercial Statistical Plan
Four factors of occupancy hazard - answer-Basic occupancy charge
-combustibility of contents
-susceptibility of contents
-additional occupancy hazards
Basic Occupancy Charge - answerA rating system factor that reflects the relative
hazard of an occupancy for pricing purposes and is expressed as a percentage of the
base rate (ranges from 10 percent to 1,000 percent)
*high BOC magnifies effect of any additional hazards
Combusitibility - answerThe ability of something to ignite and burn. Major determinant of
the overall fire hazard.
Susceptibility - answerthe extent to which fire and its effects will cause damage to
materials
*how severe fire will damage BPP
*even if items don't burn, can be damaged by smoke & lose value
Combustibility Classes - answerC-1: Noncombustible
C-2: Limited combustibility
C-3: Combustible
C-4: Free Burning
C-5: Rapid/flash burning
Common Hazards - answerHazards existing in almost every class of business
occupancy, usually referring specifically to (1) housekeeping, (2) heating equipment, (3)
electrical equipment, and (4) smoking
Special hazards of the class - answerA characteristic typical of all occupancies in a
given class that can cause or aggravate a loss. An example is the hazard of cooking,
common to the restaurant class.
, Special hazards of the risk - answerA condition that can cause a loss but that is not
typical of an occupancy. An example is the use of a welding torch in an auto repair
shop.
6 types of occupancy types - answer-Habitational
-Office
-Institutional
-Mercantile
-Service Industry
-Manufacturing
Ignition source - answerItem, substance, process, or event capable of causing a fire or
explosion, such as open flames, sparks, or static electricity.
Spontaneous heating - answerAn oxidation process in which the temperature of a
material is increased without drawing heat from its surroundings
Jade, an underwriter, is reviewing a property insurance submission for Miller's Furniture,
a 70,000 square-foot area, privately-owned retail furniture store. Miller's offers a large
selection of area rugs; metal, wood, and upholstered furniture; and decorative items for
the home such as artwork, lamps, small sculptures, artificial flower arrangements, and
tapestry wall hangings. Much of the upholstered furniture is made with flame-retardant
fabric. Some of the wood items are solid oak, cherry, or mahogany, while other, more
modern pieces, are of painted and varnished wood. Of the four ISO occupancy rating
system factors, Jade's greatest concern with regard to underwriting Miller's account is
likely to be the - answerSusceptibility of contents
As they relate to occupancies, commercial fire rating systems, such as the method used
by ISO, indicate the - answerDegree of hazard that an occupancy presents in a
particular classification.
Which one of the following terms refers to the ability of an item or material to ignite and
burn? - answercombusitibility
Physical hazards increase the probable frequency or severity of a loss. Which one of
the following descriptions demonstrates special hazards of the class? -
answerMaintenance garage at a school bus depot
Physical hazards associated with structures can be most thoroughly analyzed if they are
divided into groups. Each of the following is an example of these hazard groups,
EXCEPT: - answeroccupational hazard
For most habitational occupancies, which one of the following is the leading cause of
fires? - answercooking
