Go to WSRB
Go to BuildingMetrix

About the Company

Who we are and how we serve insurers, agents, and Washington state residents.  

CEO Perspective

Engaging thought leadership on key insurance industry issues from our CEO. 

Meet the Team

Get to know the team behind WSRB’s trusted data and excellent customer service. 


Learn about the benefits of working at WSRB and apply for open positions.  

Underwriting Property

A guide to key risks in Washington state: fire, wildfire, and earthquakes.

Help Center

Self-serve articles on how to use our products. Available 24/7. 

Commercial Property

Information on loss costs, policy rating, and assessment tools 

Industry Toolkit

Links to help you work smarter and serve your customers.  

Protection Classes

The evaluation process explained from start to finish.


News on emerging risks as well as our latest products. 


In-depth content on essential insurance topics.


Weekly newsletter covering the P/C industry, curated by our experts. 


RCP Codes Demystified

Robert Lacy
April 5, 2022

According to Wikipedia, RCP could refer to Rochester Community Players, Radio Club Paraguayo, or the Romanian Communist Party.

In the world of property insurance, RCP stands for Rating, Construction, and Protection. It’s a four-digit code that contains valuable information designed to provide underwriters and raters a quick summary of a risk.

To help make sense of these codes, let’s walk through RCP letter by letter.

port-townsend-buildingThe RCP code for a building gives insurance professionals useful
information in a compact way


WSRB's Essential Guide to Commercial Property Risk Assessment


R stands for Rating

The first digit refers to the building’s rating identification and corresponds with its status as either sprinklered or non-sprinklered.

Buildings are given a rating between 1 and 4. Here’s what each number denotes:

  1. Specifically rated without sprinkler system credit
  2. Class rated
  3. Class-rated, substandard conditions
  4. Specifically rated with sprinkler system credit

WSRB uses ratings 1, 2, and 4. Other organizations use rating 3 - WSRB does not. This rating gives a quick overview of how the loss costs are being generated: class rated vs specifically rated and sprinklered vs non-sprinklered. Note that some buildings have sprinkler systems but are not coded as such.

For the most common reasons a system is not getting credit, please look at our blog on the subject.

C stands for Construction

The second digit refers to the building’s construction class and relates to its potential combustibility. Under construction class, major structural features are considered, including the load-bearing walls, exterior, floors, and roof.

Buildings are given a construction class rating between 1 and 6. The higher the number, the more resistant the structure is to fire damage. Here is what each class rating denotes:

  1. Frame construction
  2. Joisted Masonry construction
  3. Non-Combustible construction
  4. Masonry Non-Combustible construction
  5. Modified Fire Resistive construction
  6. Fire Resistive construction

You can find complete construction definitions in the Commercial Lines Manual. Make sure to check for exceptions by state.

P stands for Protection

The third and fourth digits refer to the protection class (PC) of the risk.
Protection class evaluations take into consideration a community's fire readiness, looking at four key areas:

  1. Fire department, including distribution of stations, staffing levels, equipment, and personnel training.
  2. Water supply, including water flow capacity, fire hydrant location, and maintenance.
  3. Emergency communications system, including dispatching system, staffing, and training.
  4. Fire safety control, including fire code and building code enforcement, fire investigations, and public fire education programs.

The PC is represented on a scale of 01 to 10, from best to inadequate. A PC of 01 indicates exceptional fire protection services; PC 10 means there are insufficient to no fire protection services available.

loss-cost-lookupUsing WSRB's Loss Cost Look Up, finding RCP codes couldn't be easier.


CSP Classification Codes Explained


Where to find RCP codes

You can find RCP codes for buildings WSRB has inspected using our Loss Cost Look Up. Learn how to use Loss Cost Look Up here.

Don't forget to stay informed with similar content by signing up for notifications.



Robert Lacy, WSRB's Vice President, Inspection Services & Professional Development, oversees our team of commercial property analysts as they produce advisory loss costs, commercial property reports, and automatic fire sprinkler system evaluations. He is involved in the annual evaluation of our loss cost levels, ensuring we are current on coding and rating issues for commercial property. Additionally, Robert works to encourage professional development throughout the organization.



Like our blog? Check out InsuranceEDGE. We curate the week’s must-read stories from top industry sources. You stay informed and save time.


You May Also Like

These stories on policy rating

blog listing blog sign up

Sign up for our blog