UPFRO ASSOCIATES, INC
Commercial Inspection Primer
Introduction
Welcome to Commercial Reporting. This primer is just an overview of the information you will provide in our basic
reports. This is not to be considered comprehensive training for all types of risks/inspections you may encounter.
UPFRO primarily inspects smaller “Mom & Pop” type risks such as Delis, Pizza, & Apartments, etc.
We will start this primer with our Standard BOP Report. BOP stands for Business Owners Policy. Other acronyms
are SBP, SMP. They should be completed on our BOP (100) template form.
Contents
BOP
o Appointments
o General
o Fire
o Liability
o Theft
BOP Riders
o Cooking
o Coastal
o Church/ Social
o Day Care
commercial inspection primer updated on: 10.11.2006
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Separate
Standard Rider
Separate
Separate
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UPFRO ASSOCIATES, INC
BOP Reports
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Appointments
You should call ahead and set an appointment (A) or a courtesy appointment (CA) and charge accordingly.
This serves two purposes – arranging a time when the risk is open and available for you to inspection
(restaurants may not want you to be there at lunch time), and the best reason – you may be able to complete the
majority of the report on the phone prior to your visit. [However, if you cannot make contact, still go and inspect –
document & submit your call attempts.]
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General
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Special Attention
Answer any Special Attention Questions here (from the Memo or Dec Page)
Occupancy
Standard Questions – please review the form.
Operation/ Habitation
This is the single most important part of your report. It is a typed narrative telling the
underwriter about the operations &/or the occupancy. Use full sentences – it should be 2 or three
short paragraphs.
You need not repeat information that may be checked off in other parts of your report – but should
highlight hazards and concerns. Plus you should address any items you had to estimate – and why!
This is also any area where you should describe and Products, Offsite Operations or Additional
Locations.
Products
What does the policyholder produce or do? Does he have his label on it or guarantee it? What is
he responsible for?
Offsite
There are liabilities and hazards away from the location you are inspecting too!
Additional Locations
From Warehouse to barns to other stores – describe! You need not inspect unless these are
located at the same basic address (additional charges apply!)
Recommendations
In full sentence form – state each item that should be corrected – give the location as well!
commercial inspection primer updated on: 10.11.2006
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UPFRO ASSOCIATES, INC
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Fire
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Occupancy
Construction
Heating Electrical & Plumbing
Protection
Exposures
If you have completed Personal Lines Reports most of this information will be familiar to you. You are describing
the building you are inspecting in this section. And while identifying some of this information may require additional
training – (such as 440V or 660V) it is all basic information in familiar categories.
This Section is in two pages.
REMEMBER
If the insured OWNS the entire building – but only occupies part of it – you need to report on the entire building.
This information should be a part of your narrative. And, if you cannot for any reason inspect all of the building
(apartment upstairs, basement, somebody else’s office or store) you should state this in your narrative too!
Report on the building just as if the insured was the absentee owner, and then report on the business operation as
well!
commercial inspection primer updated on: 10.11.2006
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UPFRO ASSOCIATES, INC
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Liability
This is a two page section with basic check-offs using the following categories;
o Insured’s Use
o Building’s Use
o Exterior
ƒ Walks
ƒ Stairs
ƒ Parking Lots
ƒ Balconies
ƒ Ramps
ƒ Dumpsters
ƒ Playgrounds & Pools
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Interior
ƒ Walkways
ƒ Exits & Egress
Diagram
Upload or submit to the UIRS site.
Liability Reporting is basically simple:
o How can someone get hurt at the location inspected?
o How can they get out of the building (Exits/ Egress) in case of an emergency or fire?
Habitational means that there are living quarters here.
If there are three (3) apartments or more – there must be two means of egress (ways out). This can include fire
escapes.
There should also be Hardwired Smoke Detectors in Common areas (halls, stairwells, basements, etc) and battery
or hardwired smoke detectors in each apartment.
Common Doors should be kept closed and locked. Typically a buzzer system allows entrance.
This is familiar Life Safety information.
commercial inspection primer updated on: 10.11.2006
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UPFRO ASSOCIATES, INC
Theft
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Contents
Burglary Protection
Locks
Banking Practices
Area / Neighborhood
If the policyholder does not occupy space at this location – this information is not needed.
But if he/she does…..Just answer these straightforward questions and check-offs.
REMEMBER
If the policyholder or the person whom you are interviewing does not want to give specific answers, you can simple
note that they did not wish to disclose this information – there is nothing wrong with that! If they do not know – this
should be noted as well – in your narrative!
commercial inspection primer updated on: 10.11.2006
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UPFRO ASSOCIATES, INC
Riders
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Cooking Rider
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Coastal Rider
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Church/ Social Rider
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Day Care Rider
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UPFRO ASSOCIATES, INC
Manufacturers & Contractors Reports
Workers Compensation Reports
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