Class Rated Codes:
Y = Eligible for Class Rates
N = Not Eligible for Class Rates
X = Not Eligible for Current Class Rates BUT Eligible for expanded Class Rates
Earthquake (EQ) Codes:
This symbol is used in determining the Earthquake Loss Cost Factor.
| Description | Old | New - Effective 2-1-2026 |
|---|---|---|
|
(1) Wood Frame Buildings
Wood frame or frame stucco buildings. Excluded are structures which are classified as wood frame but have concrete supported floors and/or some walls of unit masonry or concrete.
|
1C, 1D | A1 |
|
(2) All-Metal Buildings
All-metal buildings. Wood or cement-asbestos are acceptable alternatives to metal roofing and/or siding.
|
2A,2B | B1 |
|
(3) Steel Frame Buildings
Buildings with a complete steel frame carrying all loads with floors and roofs of any material and with walls of any non-loadbearing materials.
|
3A,3B,3C | C1 |
| (4) Reinforced Concrete Buildings, Combined Reinforced Concrete and Structural Steel Buildings | 4A,4B,4C,4D |
(a) Class D1
Buildings having all vertical loads carried by a structural system consisting of one or a combination of the following:
(i) Poured-in-place reinforced concrete frame.
(ii) Poured-in-place reinforced concrete interior and/or exterior walls.
(iii) Partial structural steel frame with Paragraph D.4.a.(4)(a)(i) and/or D.4a.(4)(a)(ii).
Floors and roofs must be of poured-in-place reinforced concrete, except that materials other than reinforced concrete may be used for the roofs of buildings over three stories.
(b) Class D2
Buildings having a reinforced concrete frame or combined reinforced concrete and structural steel frame. Floors and roofs may be of any material, while exterior and interior walls may be of any non-loadbearing materials.
(c ) Class D3
Buildings having:
(i) Partial or complete load-carrying system of precast concrete: and/or
(ii) Reinforced concrete lift-slab floors and/or roofs: and
(iii) Otherwise qualifying for Classes D1 and D2.
|
|
(5) Concrete Brick or Block Buildings
|
5A,5B,5C
|
Class E1
Buildings having load-bearing exterior walls of:
(i) Reinforced brick masonry: and/or
(ii) Reinforced hollow concrete block masonry.
Class E2
Buildings having load-bearing walls of unreinforced brick, other unreinforced solid unit masonry, hollow tile or other hollow unit masonry construction and cavity wall construction. Floors and roofs may be of any material.
Class E3
Buildings having load-bearing walls of adobe. Also included are buildings not covered by any other class.
|
Group II Codes:
This symbol consists of a CONSTRUCTION type symbol followed by the WIND ZONE symbol. Example: M-4 - The M stands for masonry construction and the 4 stands for the Inland wind zone. When a structure is comprised of different types of construction the Group II symbol will show the composite of the types of construction. Example: 70M-30SWR-2. This symbol stands for 70% Masonry and 30% Semi-Wind Resistive construction and the 2 is for the Seacoast wind zone.
Special types of structures are assigned "SPECIAL" Group II symbols. These symbols will be shown at the beginning of the Group II symbol as such: S30-M-4. In this symbol S30 indicates the SPECIAL Group II symbol.
All of the Group II symbols will refer to Loss Costs Factors found in the Mississippi pages of the Commercial Lines Manual. For explanation of the SPECIAL Group II symbols please refer to the Mississippi pages of the Commercial Lines Manual.
Group II Construction Types:
M = Masonry
F = Frame or Hollow Concrete Block
SWR = Semi-Wind Resistive
WR = Wind Resistive
Wind Zones of Mississippi:
2 = Seacoast Zone: George, Hancock, Harrison, Jackson, Pearl River and Stone Counties
3 = Middle Zone: Amite, Forrest, Greene, Lamar, Marion Perry, Pike, Walthall, and Wilkinson Counties
4 = Inland Zone: All other Counties
CLS Codes:
CLS is a classification code for different types of occupancy. These codes can be found in the Commercial Lines Manual.
RCP Codes:
RCP represents the type of risk, construction class, and protection class. Example: 1305 could be broken down as 1 = Non-Sprinklered Risk; 3 = Non-Combustible Construction; 05 = 5th Class Protection.
Types of Risk:
1 = Non-Sprinklered Risks
4 = Sprinklered Risks
Construction Classes:
1 = Frame
2 = Joisted Masonry
3 = Non-Combustible (Steel)
4 = Masonry Non-Combustible
5 = Modified Fire Resistive
6 = Fire Resistive
Protection Classes are based on MSRB Public Protection Class (1 - 10). X factors are applied in class 1-8 when the risk is over 1000 feet from a standard fire hydrant. (Example: PC Class 03 beyond 1000 ft. to hydrant = 32 and will show as 32 in lieu of 03 in the RCP code.)
| Protection Class | Protection Code |
|---|---|
| 1X | 12 |
| 2X | 22 |
| 3X | 32 |
| 4X | 42 |
| 5X | 52 |
| 6X | 62 |
| 7X | 72 |
| 8X | 82 |
Protection Clause (Prot.) Codes:
Indicates the type of credit given for private fire protection. The most common code used is P-1 which indicates credit given for a fire suppression system.
Building Symbol Codes:
This symbol will indicate the number of stories of a structure and the construction type. Example: 2-B is a 2-story brick building. When a structure is made up of different types of construction and different numbers of stories it may appear as such: 1-2-B-E. This example shows a 1 and 2 story structure with construction types of brick and hollow concrete block. The predominant construction will come first followed by the second most predominant and so on.
Also you might see a construction symbol such as: 1=2-B-E. The 1=2 symbol means a one floor structure that is equal to two stories in height.
Construction Types:
AA = Fire Resistive
A = Fire Resistive
B = Brick
BE = Hollow Concrete Block faced with Brick
BV = Brick Veneer
D = Wood Frame
E = Hollow Concrete Block
HT = Hollow Tile
IC = Iron Clad (Metal on Wood Frame)
SIC = Steel Iron Clad
S-IC = Steel Structure w/ some or all walls ceiled with wood
S = Steel (Non-Combustible)
