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RCP Codes Demystified

August 21, 2018

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

But in the world of property insurance, RCP stands for Rating, Construction, and Protection. It’s a four-digit code that contains a lot of valuable information. Do a Loss Cost Risk Search on the member section of WSRB’s website and you’ll find the RCP.

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

R stands for Rating

 The first digit refers to the building’s Rating identification. WSRB uses Ratings 1, 2, and 4. Some organizations use Rating 3 (class rated, substandard conditions). We do not.

  1. Specifically rated without sprinkler system credit
  2. Class rated
  3. Class rated, substandard conditions (not used by WSRB)
  4. Specifically rated with sprinkler system credit

A skyscraper under constructionThe RCP code for a building gives insurance professionals useful information in a compact way


WSRB's Essential Guide to Commercial Property Risk Assessment


C stands for Construction

The second digit refers to the building’s construction class.

  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 last two digits refer to the protection class (PC) of the risk. The PC is represented on a scale of 01 to 10, from best to inadequate. A PC of 1 indicates exceptional fire protection services; PC 10 means there are insufficient to no fire protection services available.

The RCP code is designed to provide underwriters and raters a quick summary of a risk.


Terry Krueger was WSRB's Senior Subscriber Services Analyst until her recent retirement. She joined WSRB in 2005 after many years in the insurance industry, where she worked in both commercial lines rating and underwriting. Terry is a natural problem solver, a lover of bowling and puzzles and the author of some of our most popular educational blog posts.



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