The Lowdown on Protection Classes 1-10

The Lowdown on Protection Classes 1-10 Builders Risk Webinar

Victor O. Schinnerer & Company, Inc.

Definitions

What is an Insurance Services Organization (ISO) Protection class?

What are the factors that influence the protection class a territory is assigned?

1 September 19, 2018


Ramifications

• Impact of higher classes on premium, eligibility and capacity

• Split Classes

• Brushfire territories and the impact on the protection class

• Effect of urban sprawl



Additional Ramifications

– Impact of mountainous terrain

– High value dwellings and higher protection classes

– Smaller towns and rural communities relationship to the protection class



Fire Departments

Volunteer Fire Departments

Career Fire Departments



Knowing the protection class

How can I find out the protection class?


Protected

• Protected 1 – One mile or less from fire department.

• Protected 2 – More than one mile, but two miles or less from fire department.

• Protected 3 – More than two miles, but three miles or less from fire department.

• Protected 4 – More than three miles, but four miles or less from fire department.

• Protected 5 – More than four miles, but five miles or less from fire department.

Partially Protected

• Protected 6-8 – Building is located more than 1,000 feet away from a fire hydrant, but is within five miles of fire department.

Unprotected

• Protection class 9 – community meets the ISO requirements for quality and communications but has an inadequate water supply.

• Protection class 10 - community does not meet the ISO’s minimum standard in any category.


Please use the “Questions” chat box to submit a question

6

September 19, 2018

Victor O. Schinnerer & Company, Inc. 7 September 19, 2018

Jeff Benson Senior Underwriting Manager

[email protected] (904) 446-2808

Donna Berry Senior Underwriter

[email protected] (904) 446-2810

Your Builders Risk Team

General email: [email protected]

mailto:[email protected]



Victor O. Schinnerer & Company, Inc. 8 September 19, 2018

Documents

The Lowdown on Protection Classes 1-10