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What We Do We are, first and foremost, an information-gathering and publishing organization. We are an independent, authoritative resource for the insurance industry. Through physical inspections, we evaluate commercial buildings throughout the state to develop and publish equitable loss costs. Our database of 80,000 buildings contains important underwriting information and is available to all our subscribers. Underwriters and Loss Control representatives rely on our free AS (Automatic Sprinkler) Reports and our Commercial Property Reports to help evaluate risks. On behalf of our subscribers, we prepare and file with the Office of Insurance Commissioner the rules, rates and forms for several lines of property insurance: Farm, Commercial Fire and Allied Lines, Businessowners, HPR, Dwelling and Homeowners insurance. Public Protection Classifications and Building Code Enforcement Grades are also automatically filed on behalf of subscribers to this service. We inspect and evaluate the fire defenses and building code enforcement of cities, counties and municipal fire districts to develop and publish comparative classifications. These classifications can help our subscribers and the public in the goal of achieving adequate and equitable coverage. Our on-line PROTECTION service provides Agents, Underwriters, and others with instant, accurate at-risk Public Protection Classifications and FEMA flood data. Our Public Protection information can be consumed directly into forms and applications with our Web Services. Our Inspection, Rating/Office Operations, Public Protection, Plan Review, Information Systems and Administrative departments perform a variety of services for our subscribers and the insuring public. |