Property Insurance

COPE

What COPE is

COPE stands for Construction, Occupancy, Protection, and Exposure . It is a structured way to describe property risk factors that matter to insurers, brokers, underwriters, and risk engineers.

In 21RISK, COPE data is stored per site and period on the Insurance board. This lets your team collect consistent information, compare sites, support underwriting conversations, and connect COPE data with values, NatCat, and risk improvements.

The four COPE areas

Area What it covers
Construction Building materials, age, roof, walls, fire sections, and construction risk features.
Occupancy How the site is used, including production, warehouse, administration, storage, and special hazards.
Protection Fire alarms, sprinklers, water supply, fire brigade response, security, and other protection measures.
Exposure External hazards such as neighboring risks, natural catastrophe exposure, and other surrounding conditions.

Working with COPE

To update COPE data:

  1. Open Insurance > COPE .
  2. Select the correct period.
  3. Open a site.
  4. Review the COPE form sections.
  5. Update fields where you have reliable data.
  6. Save the changes.

You can also open an individual site from Insurance > Sites and go to its COPE page.

Bulk import

For larger updates, use Bulk import COPE . The COPE importer supports total floor area in square meters.

Custom COPE models

Some organizations already have their own COPE checklist or risk engineering model. 21RISK can support custom mapping where needed, so your team can collect familiar information while still benefiting from Insurance analytics.

Common COPE examples

Examples of COPE fields include:

  • Area in square meters.
  • Number of stories.
  • Year of construction.
  • Roof and wall types.
  • Occupancy and storage types.
  • Sprinkler coverage.
  • Fire alarm and water supply.
  • Distance to fire brigade.
  • External exposures.
  • Building plans and engineering files.
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