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Community Ratings Guide

Learn how the WSRB community evaluation process works

PC FAQ →

Common questions about WSRB and how our work affects residents

Fair Plan Inspections 

About our role in FAIR Plan inspections

About our company

Who we are and how we serve insurers, agents, and consumers.

Our History

Read our organizations story, from 1911 to today.

Meet our team

Get to know the team behind WSRB’s trusted data.

Join our team

Explore the benefits of working at WSRB and view our current openings.

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CEO Perspective
In-depth thought leadership on important insurance industry issues that affect you and your business
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Simplifying trusted rating data.

Read about The 2026 Economic Outlook ⇢
For a clear view of the forces shaping the insurance industry this year.

Read about: Understanding Rule 85 ⇢
Do you understand this notoriously challenging rule?

Access your tools

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RiskSearch
Generate Commercial Property Reports through the portal
WSRB Loss Cost Graphic
Tentative Loss Cost
Assess eligible risks before a specific loss cost is available
WSRB Protection BCEGS Graphic
Protection/BCEGS
Look up Protection Classes & BCEGS scores in Protection
WSRB Request Inspection Graphic
Request Inspection
Commercial property inspections generate specific ratings
WSRB Track Inspection Graphic
Track Inspection
Use application tracking number to track an inspection request
WSRB Publications Graphic
Publications
Essential documents, including PC schedule and loss cost handbook
WSRB Filings Library Graphic
Filings Library
Access published PDFs and sign up for Circular Notifications
WSRB PPCM/Bulletin Graphic
PPCM/Bulletins
Access Public Protection/BCEGS Classification Manual, past bulletins
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The Value of a WSRB Subscription

Click the tabs below to learn more about the services we provide

Time-tested, updated, and regulator-approved forms and rules

WSRB Forms and Rules have been filed with the Washington State Office of the Commissioner (OIC). In fact, ISO and WSRB share the copyright for the forms and rules we file.

  • Latest regulatory changes and legal challenges.
  • Save time on the OIC filing process

Time-saving compliance services

WSRB is the only organization authorized to submit fillings to the OIC on behalf of our Subscribers for property lines of insurance - you save time when we file for you.

Loss costs for specifically rated commercial buildings

Access the loss costs that WSRB files loss costs with the OIC for all property lines of business, including Homeowners, Dwelling Property, Farm, Commercial Property, Businessowners, and Earthquake.

  • Request property inspections to utilize our experienced commercial property analysts services
  • Annual reviewed to ensure you're getting useful, accurate data. 
Detailed, informative Commercial Property Reports

WSRB Loss Costs and Commercial Property Reports (CPRs) give your team members objective, reliable information about the properties you're considering insuring.

  • Reports include diagrams of the building, measured square footage, construction classification data, earthquake classification data, and images of the property and nearby buildings.
  • Inspections and CPRs are included in your subscription fee; there’s never an additional charge to order a standard inspection.

 

Accurate, up-to-date protection class data for Washington state

Give your team insight into the firefighting resources and capabilities available at every location in Washington state.

  • Our proprietary algorithm and software system calculates the PC for each individual property in the state, factoring in proximity to a recognized, responding fire station and a standard hydrant.
  • Our monthly updates account for new property development as well as for changes to stations and hydrants.

Building Code Effectiveness Grading Schedule data

Gain deeper insight into the properties you're considering insuring and their ability to withstand natural disasters, including earthquake, wind and hail.

  • WSRB analysts regularly evaluate and score every Washington state community on its building code enforcement. 
  • The resulting data, in the form of a simple Building Code Effectiveness Grading Schedule (BCEGS®) score, helps your teams improve the accuracy of your underwriting and pricing. 
Efficient data-delivery methods

You choose the fastest, easiest way for your team members to access WSRB data. From built in API's, website interface, and batch results.

  • Our API feeds our data directly to your policy management system in the format that works best for you. 
  • Our website lookup is perfect for individual address searches.
  • A book review gives you data on a set of addresses you provide all at once, with a quick turnaround time.
Flexible subscription options

Customize your WSRB Subscription level based on the data and information you use.

  • Leverage our report of premiums process to maximize the value of your subscription. 

Additional benefits and new tools

The BuildingMetrix Suite of risk assessment tools offers an expanding list of tools, available to WSRB Subscribers free of charge. 

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Stay Informed

WSRB is your trusted source for insight and support.

We offer industry expertise, helpful guidance, and the latest updates to ensure you get the most from our tools and services.