Most insurers use the Public Protection Classification (PPC) for
underwriting and calculating premiums for residential, commercial, and
industrial properties.
Field Survey
To determine a community's PPC, ISO conducts a field survey. Expert ISO
staff visit the community to observe and evaluate features of the
fire-protection systems.
Three Areas Evaluated
Using a manual called the Fire Suppression Rating Schedule (FSRS), ISO objectively evaluates three major areas:
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Fire alarm and communications systems. A review of the fire alarm
system accounts for 10% of the total classification. The review focuses
on the community's facilities and support for handling and dispatching
fire alarms.
- A review of the fire department accounts for 50%
of the total classification. ISO focuses on a fire department's
first-alarm response and initial attack to minimize potential loss.
Here, ISO reviews such items as engine companies, ladder or service
companies, distribution of fire stations and fire companies, equipment
carried on apparatus, pumping capacity, reserve apparatus, department
personnel, and training.
- A review of the water-supply system
accounts for 40% of the total classification. ISO reviews the water
supply a community uses to determine the adequacy for fire-suppression
purposes. Hydrant size, type, and installation, as well as the
inspection frequency and condition of fire hydrants.
Additional Information
For more information about the Insurance Services Office and Public Protection Classification process, please visit their
ISO Mitigation website.