Property Insurance


COPE information is crucial in the insurance industry, serving as a foundational tool for insurers, underwriters, and engineers to gauge and manage risks effectively. This documentation outlines the use and significance of COPE (Construction, Occupancy, Protection, and Exposure) data in assessing the risk levels associated with companies or specific risk entities.

Purpose of COPE Information

The primary purpose of COPE information is to assist insurers in understanding the potential risks associated with insuring a particular entity. This data is instrumental in several key areas:

  • Risk Assessment: COPE information helps in evaluating the potential for losses, which is critical in deciding whether to insure a risk.

  • Pricing: It aids in calculating the appropriate premiums based on the level of risk, ensuring that the insurance offerings are competitively priced while still covering potential claims.

  • Policy Decision Making: Insurers use COPE data to determine the viability of offering a policy to a company or individual, based on the inherent risks identified.

  • Financial Exposure Analysis: Understanding the financial exposure helps insurers in setting aside adequate reserves to cover potential claims, thereby maintaining financial stability.

Components of COPE

  1. Construction: Details about the construction of the insured property, including materials used, type of construction, and any features that mitigate or enhance risk (e.g., fire-resistant materials).

  2. Occupancy: Information regarding how the property is used, whether for commercial, residential, or industrial purposes, and how this usage impacts the risk profile.

  3. Protection: Details on protective measures in place, such as fire alarms, sprinkler systems, and security protocols, which can affect the likelihood and potential severity of incidents.

  4. Exposure: Analysis of external factors that could impact the insured property, such as its location, nearby hazards, or climatic conditions.

Utilization of COPE Information

Insurers leverage COPE information to enhance their risk management processes:

  • Underwriting Decisions: By thoroughly analyzing COPE data, insurers can make informed decisions on underwriting policies, balancing risk with potential returns.

  • Claims Forecasting: COPE information helps predict the likelihood and cost of claims, facilitating more accurate financial planning and reserve allocation.

  • Risk Mitigation Strategies: Identifying risk factors through COPE data enables insurers to recommend or require mitigation strategies to lower the risk profile of insured entities.


The 21RISK COPE models provide a structured approach to understanding and managing insurance risks. By effectively utilizing COPE information, insurers can ensure that they are adequately prepared for potential losses, thus maintaining both competitive pricing and financial health. This proactive risk management not only benefits the insurers but also serves the interests of policyholders by promoting stable, reliable coverage options.

Can I use my own COPE model?

Yes! With Insurance by 21RISK, you are not forced to use our specific COPE checklist. You can define your own, or modify ours to your needs. When doing this, you can obtain customized information specific to your needs. We will then help map this information into our generic COPE model, so you can benefit from our analytics.

The 21RISK COPE model

Please use the following table, to read more about the 21RISK COPE model.

Most values in the cope model will have one row per value, but some will contain multiple rows if applicable.

General info

Name Description Example value
Avg #Stories Average # of stories 2
Area in sq. meters Total floor area in square meters 20000
# White collar Number of white collar employees 250
# Blue collar Number of blue collar employees 250
Avg # Operating shifts Number of operating shifts as number 2
Operating days a week Number of operating days a week 7
Building plans Building and emergency plans. The link can contain multiple documents.
Other files Engineering reports, etc. The link can contain multiple files, images etc.


Name Description Example value
Avg year of constr. When the building was constructed 1977
Roof One row per roof type. The value will indicate if present.
  • Concrete
  • Metal structures protected against fire
  • Unprotected metal structures
  • Wooden or wood frame
  • Combustible insulation in roof
  • Sandwich panels with combustible
Concrete 1, Wood 1
Internal walls One row per wall type. The value will indicate if present.
  • Masonry and/or concrete
  • Light-weight non-combustible partitions
  • Light-weight plastic-coated partitions
  • Sandwich panels with combustible eps/pur/pir insulation
Light-weight non-combustible partitions 1, Masonry and/or concrete 1
Fire sections Fire sections (doors rated at least 60 minutes protection) between areas of different occupancy (1 = yes, 0 = no) 0
Closure mechanisms Doors in fire sections provided with automatic closure mechanisms (nb: not fusible links) (1 = yes, 0 = no) 1
Cable and piping Cable and piping penetrations in firewalls are closed with proper fire-resistant material (1 = yes, 0 = no) 0
External walls One row per wall type. The value will indicate if present.
  • Masonry and/or concrete
  • Metal structures protected against fire
  • Unprotected metal structures
  • Wooden or wood frame
  • Sandwich panels with combustible EPS/PUR/PIR insulation
Wooden or wood frame 1, Masonry and/or concrete 1


Name Description Example value
Occupancy One row per occupancy type. The value will indicate if present.
  • Production
  • Administration
  • Warehouse
  • R&D
  • Service
Production 1, R&D 1
High-rack storage Does site have storage > 3,7 meters. (1 = yes, 0 = no) 0
Storage Types One row per storage type. The value will indicate if present.
  • Goods consisting of plastic packing materials etc.
  • Flammable liquids in excess of 25 liters
flammable 1
Spil/Drip coll. Are drums/canisters of flammable liquids in excess of 25 liters placed on spil/drip collectors? (1 = yes, 0 = no) 1
Electrical inst. Do electrical installations comply with ATEX and other? (1 = yes, 0 = no) 1
Lithium batteries. Does the facility store Lithium-Ion batteries? (1 = yes, 0 = no) 1
Unmanned mach. Are machinery operating whilst buildings are unmanned? (1 = yes, 0 = no) 0
Separate charging Are charging stations for forklifts and similar located in separate fire sections/compartments (1 = yes, 0 = no) 0
Marked charging area Are there designated charging area and are these areas marked adequately (1 = yes, 0 = no) 0
Shared occupancy Is the building shared with other occupants/tenants (1 = yes, 0 = no) 1
Electric. heating Is the building heated by electric convection equipment (1 = yes, 0 = no) 1

Security measures

Name Description Example value
Avg Fire brigade Time in minutes for local fire brigade to arrive 8
Fire detection Is an automatic fire systems installed (1 = yes, 0 = no) 1
Avg Fire det. area Please indicate between 0 and 100 how many percent of the area of the facility is covered by the fire detection system. (0-100) 88
Fire logbook. Is the system tested regularly and is a logbook kept of the tests (1 = yes, 0 = no) 1
Automatic sprinklers Are automatic sprinklers installed (1 = yes, 0 = no) 0
Sprinkler protec. Please indicate from 0 - 100 how many percent of the facility is covered by the automatic sprinklers.. (0-100) 65
Sprinkler report A link to the latest sprinkler report https://some-link
Water pumps One row per pump type. The value will indicate if present.
  • Electrical motor
  • Diesel engine
  • Steam turbine systems
Electrical motor 1
Water supply One row per type of water supply. The value will indicate if present.
  • Public water mains
  • Water storage tanks
  • Inexhaustible sources such as lakes, rivers and canals
  • Other
Public water mains 1
Smoke vents perc. Please indicate from 0 - 100 the percent of the facility is covered by smoke vents (0-100) 50
Fire exting. Are all areas in the building covered with hand-held extinguishers, with a maximum of 25 meters between extinguishers? (1 = yes, 0 = no) 1
External hydrants. Are there external fire hydrants present within 50 meters of the buildings? (1 = yes, 0 = no) 1
Exting. service Is the fire fighting equipment serviced annually? (1 = yes, 0 = no) 1
Thermographic Are a thermographic survey of electrical installations >0,7 m2 performed every year? (1 = yes, 0 = no) 1
Hot work permit Are hot work procedures followed? (1 = yes, 0 = no) 1
Regular housekeeping Does site have a regular housekeeping program? (1 = yes, 0 = no) 0
Fire-door inspec. Do you have a self inspection procedure for fire doors, truck chargin, etc? (1 = yes, 0 = no) 1
Sandwich panels Do you have a self inspection procedure for sandwich panels with combustible insulation? (1 = yes, 0 = no) 0
Smoking policy Do you have no or restricted smoke policy? (1 = yes, 0 = no) 0

Business continuity

Name Description Example value
BCP Business Continuity Plan Do you have a formal business continuity-plan in case of a total loss of the facility? (1 = yes, 0 = no) 1
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