Commercial occupancy codes

The commercial occupancy class codes supported by Verisk Synergy Studio.

For information about supported codes and limitations for specific models, refer to the model documentation that is available on the Client Portal (login required).

Note: The 2-digit Standard Industrial Classification (SIC) code or codes categorize industries into major divisions, providing a framework for clarifying business activities. The code or codes are listed for each occupancy code. "n/a" indicates that a SIC code is not applicable.
Occupancy code Category SIC2-digit Description
311 General Commercial n/a General Commercial is a composite of all other commercial occupancies. You can select this occupancy class code if you have no specific information about the risk.
312 Retail Trade 52 - 59 Retail stores including those establishments that sell building materials and hardware, general merchandise, food, apparel and accessories, home furniture, furnishings and appliances, and prepared food and drinks. Includes automotive dealers, gasoline service stations, and motorcycle, boat, and recreational vehicle dealers. Includes other retail such as drug stores, liquor stores, bookstores, used merchandise, jewelry stores, and piece goods stores. Also includes non-store retailers and fuel dealers.
313 Wholesale Trade 50 - 51 Includes wholesale distribution of durable goods including motor vehicles and parts, home furnishings, lumber and construction materials, professional and commercial equipment, metals and minerals, electrical goods, hardware, plumbing and heating equipment, machinery, equipment and supplies, and other miscellaneous durable goods. Also includes wholesale distribution of non-durable goods including paper and paper products, drugs, apparel, groceries, farm-product raw materials, chemicals, petroleum and petroleum related products, alcoholic beverages, and other miscellaneous non-durable goods.
314 Personal and Repair Services 72, 75, 76 Includes personal services such as laundry and dry cleaning services, beauty and barbershops, shoe repair shops, photographic studios, and funeral services, as well as automotive rental and leasing, automotive repair shops, and other automotive service including car washes and miscellaneous repair services.
315 Professional, Technical, and Business Services 60 - 67, 73, 81, 87, 91, 93 - 97 Occupancies involved in the financial industry including depository institutions, non-depository credit institutions, security and commodity brokers, dealers and exchanges, insurance carriers, insurance agents and brokers, and real estate and other investment offices. Includes business services such as advertising agencies, consumer credit reporting agencies, mailing services, reproduction services, commercial art services, building cleaning and pest control services, equipment rental/leasing operations, employment agencies, computer programming, and computer rental/maintenance services. Also included in this occupancy class are legal services, engineering and architectural services, accounting services, research and development services, and management/public relations services. Executive offices, legislative bodies, and government offices are included in this occupancy class as are government establishments engaged in finance and taxation, in environmental quality and housing programs, and in the administration of economic programs including transportation, communications and utilities, agriculture, space and technology, national security and internal affairs, as well as government establishments engaged in human resource programs such as public health, veterans affairs, education, and social and human resources.
316 Health Care Services 80 Occupancies include medical, surgical, and other health services including clinics, laboratories, hospitals, and other health services.
317 Entertainment and Recreation 78, 79, 84 This occupancy class includes motion picture production and distribution facilities including motion picture theaters and video tape rental establishments, dance studios, theatrical production (other than motion picture), bowling centers, sports clubs, and physical fitness facilities, as well as amusement parks, museums, art galleries, arboreta, and botanical and zoological gardens.
Note: Although we do not explicitly model swimming pools, a suggestion for coding a swimming pool includes using either 116 (Reinforced Masonry) or 131 (Reinforced Concrete) as the construction code, while using occupancy code 317, and then entering the replacement value for the pool as the building replacement value (that is, Coverage A).
318 Parking 75 Automobile parking facilities.
319 Golf Courses 79 Golf courses and related buildings and facilities.
366 Inland Transit Cargo (Warehouse) n/a Distribution centers that temporarily store various commodities for further distribution, including wholesale stores. The commodities can be light (e.g. food, drug, light fabrication of clothing, high technology electricals) and heavy (e.g. heavy construction machineries). Warehouses are typically one-story steel frame or SRC (steel-reinforced concrete) construction with high ceilings. Most of the commodities are well packed and can be stacked during storage.
383 Construction/Erection Risks n/a Commercial construction/erection risk is an under-construction building that is intended for general commercial occupancy.