Skip to content

RCP Codes Demystified

April 26, 2012

Did you ever wonder what RCP means?

The 4 digit RCP code stands for Rating, Construction and Protection.

The 1st digit refers to the building’s rating identification:


1 – Building is rated without sprinkler system credit

2 – Building is class rated

3 – Not currently used by WSRB

4 – Building is rated with sprinkler system credit



The 2nd digit refers to the building construction:


1 – Frame construction

2 – Joisted Masonry construction

3 – Non-Combustible construction

4 – Masonry Non-Combustible construction

5 – Modified Fire Resistive construction

6 – Fire Resistive construction

(Complete construction definitions can be found in the Commercial Lines Manual. Be sure to check for state exceptions.)


The 3rd and 4th digits refer to the protection class at the risk: (Protection)


01 through 10 –Indicates the protection class at the risk with 1 being the highest rating.

If you’d like to know more about RCP’s let us know!

Read more about Commercial Lines Rating.


Article by: Terry Krueger, Subscriber Administrator

No comments yet

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: