Commercial Property Crime

Introduction

When you’re underwriting a commercial property, information on the location’s potential risk for crime can help you develop appropriate insurance programs, set accurate premiums, and recommend measures to prevent crime and reduce loss. Commercial property losses are higher for properties that are higher crime risks.

To reduce crime risk, you first need to detect and understand conditions at an insured’s property that could entice an intruder to enter the property and commit a crime. Then, you can identify deterrents required to lower the risk of crime.

» Next: Deterrents to Crime

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An intruder breaks into an office building

Determining crime risk
ISO field representatives go on-site to survey properties to identify conditions that could put a property at an increased risk for crime. Read this course to get a better understanding of survey results and how to minimize those conditions.

In addition, ISO's SPI Plus® system offers several reports that include LOCATION® CAPRisk™ crime information — past, current, and forecasted crime scores for eight crime types, aggregate crimes against persons, aggregate crimes against property, and an overall crime-risk score. Those scores can help you identify the potential risk of personal and commercial crimes for specific addresses anywhere in the United States.

Here's an example of how ISO uses CAPRisk crime information in its reports.

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