Why This Matters Other considerations, such as location and the state of the insurance marketplace, also factor into how Commercial Property Insurance is priced, but knowing and understanding the components of COPE is especially important to avoid any discrepancies between what’s on an insurance application and what’s found during an Inspection Services Office (ISO) review. Here’s a summary of what goes into a building’s Commercial Property Insurance Rating. 

P&C Insights: Commercial Property Insurance Ratings 

If you have any questions, please reach out to your Alera Group advisor or email us at to be connected with an expert. We will do our best to respond quickly. Thank you!

To make informed decisions about your Commercial Property Insurance program, familiarize yourself with the four building characteristics insurers consider in rating and underwriting: construction, occupancy, protection and exposure – collectively known as COPE.