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To Educate Customers about Earthquake Risk, Look Beyond Fault Lines

Posted by Bryan Stanwood on July 23, 2019

If you needed a reminder that the Pacific Coast faces high risk for earthquakes, we’ve recently had four big ones: two quakes in Southern California over the Independence Day weekend and two quakes north of Seattle early on July 12. Hundreds of aftershocks have followed these four quakes.  

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Topics: property rating, risk, Washington state, Hazards, Risk Assessment, landslide, earthquake

WSRB: Celebrating Another Year of Service and Innovation

Posted by Bryan Stanwood on May 14, 2019

Today, WSRB offers insurance companies instantaneous access to data, both on our website and integrated directly into policy administration systems. We’ve come a long way since our founding in 1911, decades before the technology we now take for granted was invented.  

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Topics: Insurance underwriting, property rating, rating bureau, Washington state, fire departments, public protection

What are Loss Costs and Loss Cost Multipliers? – Part 2 in the Basics of Commercial Lines Rating series

Posted by Terry Krueger on November 7, 2017

Our blog series, The Basics of Commercial Lines Ratings, offers a refresher course on the fundamentals. In Part 1, we looked at the components needed for developing a commercial property rate. In Part 2, we explore loss costs and loss cost multipliers.

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Topics: loss cost, property rating

Rating Commercial Property, Part 1 of Commercial Lines Rating Series

Posted by Terry Krueger on October 24, 2017

These days, it’s easy to access all kinds of data with a click of the mouse. But when we’re faced with information overload, we can forget the basics.

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Topics: property rating, Building Construction

Commercial Lines Rating Series: Part 8 – Causes of Loss – Special Form

Posted by WSRB on February 3, 2015

Causes of Loss – Special Form

Special Cause of Loss provides coverage for risks of direct physical loss unless excluded or limited.

Theft coverage is included when using the limit of insurance (LOI) rating method, but it can be excluded.

The Watercraft Exclusion modifies coverage under Special Form. It excludes watercraft damage to retaining walls that are not part of a building, bulkheads, pilings, piers, wharves, or docks.

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Topics: Property and Casualty Loss Control, property rating, rating bureau, GIS Mapping, insurance

Handy Tips for Using Protection and PropertyEDGE™

Posted by WSRB on November 20, 2014

If you are a WSRB Subscriber, you probably use Protection or PropertyEDGE™, our two programs for finding Protection Class (PC) information and other data in Washington state and beyond.

Although our Geographic Information Systems (GIS) department is constantly updating these map-based systems, you still may occasionally come across a property that doesn’t show up. Over the years, our Customer Service team has developed some tricks of the trade that we’d love to share to make your job easier:

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Topics: Insurance underwriting, property rating, PropertyEDGE™, Protection class, rating bureau, GIS Mapping, Subscriber Services, Home Fire Protection

Additions to Protection Class 9 Criteria Coming Soon

Posted by WSRB on September 30, 2014

The Washington Surveying and Rating Bureau (WSRB) is revising some Protection Classes in Washington State to more accurately classify fire protection capabilities that reduce fire loss.

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Topics: Insurance underwriting, property rating, Protection class, rating bureau, Subscriber Services

Understanding Rule 85 - Class-Rated Risks

Posted by WSRB on April 18, 2014


Rule 85 in the Washington State Commercial Lines Manual deals with class- and specifically rated risks. Class-rated risks are buildings with occupants that can be fit into a similar category due to their similar exposures to loss and probability of sustaining damage. Certain assumptions are made about buildings and occupants placed in this category. Specifically rated risks are not eligible for class rates and have unique operations, hazards, or other conditions not allowing them to be class rated. These risks also tend to be much larger and more hazardous.

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Topics: property rating, Rule 85, GIS Mapping, insurance, Insurance loss cost inspections

Federal vs. State Regulation of Insurance - National Governors Association Letter

Posted by WSRB on April 16, 2014


In a recent letter to the US Treasury (FIO), the National Governors Association (NGA) has declared their support of the current model of state-run insurance regulations. Their letter comes in response to a proposed regulatory change that FIO recommended earlier this year. The NGA worries this will institute a dual regulatory process and has stated they “stand ready to defend and protect the state system.”

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Topics: Insurance underwriting, property rating, rating bureau, compliance, insurance

WSRB Subscriber Services - Customer Service

Posted by WSRB on July 3, 2013

At WSRB, we pride ourselves on our customer service. Any time you have a question or concern, you can call us and speak to an actual person, not an automated system.

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Topics: loss cost, property rating, Protection class, GIS Mapping, Subscriber Services