Commercial Occupancies


AIR provides the following codes for commercial occupancies:

Occupancy Code





General Commercial


General Commercial is a composite of all other Commercial Occupancies. You can select this occupancy class code if you have no specific information about the risk.


Retail Trade

52 - 59

Retail stores including those establishments that sell building materials and hardware, general merchandise, food, apparel and accessories, home furniture, furnishings and appliances, and prepared food and drinks. Includes automotive dealers, gasoline service stations, and motorcycle, boat, and recreational vehicle dealers. Includes other retail such as drug stores, liquor stores, bookstores, used merchandise, jewelry stores, and piece goods stores. Also includes non-store retailers and fuel dealers.

For all exposures in the U.S., Canada, South America, and the Caribbean and for exposures covered for wind in Europe, restaurants (331) and gasoline stations (335) have separate occupancy codes. In other regions, use 312 for these occupancies.


Wholesale Trade

50 - 51

Includes wholesale distribution of durable goods including motor vehicles and parts, home furnishings, lumber and construction materials, professional and commercial equipment, metals and minerals, electrical goods, hardware, plumbing and heating equipment, machinery, equipment and supplies, and other miscellaneous durable goods. Also includes wholesale distribution of non-durable goods including paper and paper products, drugs, apparel, groceries, farm-product raw materials, chemicals, petroleum and petroleum related products, alcoholic beverages, and other miscellaneous non-durable goods.


Personal and Repair Services

72, 75, 76

Includes personal services such as laundry and dry cleaning services, beauty and barbershops, shoe repair shops, photographic studios, and funeral services, as well as automotive rental and leasing, automotive repair shops, and other automotive service including car washes and miscellaneous repair services.

For all exposures in the U.S., Canada, and the Caribbean and for exposures covered for wind in Europe, use code 336 rather than 314 for automotive repair services and car washes. In other regions, use 314 for these occupancies.


Professional, Technical, and Business Services

60 - 67, 73, 81, 87, 91, 93 - 97

Occupancies involved in the financial industry including depository institutions, non-depository credit institutions, security and commodity brokers, dealers and exchanges, insurance carriers, insurance agents and brokers, and real estate and other investment offices. Includes business services such as advertising agencies, consumer credit reporting agencies, mailing services, reproduction services, commercial art services, building cleaning and pest control services, equipment rental/leasing operations, employment agencies, computer programming, and computer rental/maintenance services. Also included in this occupancy class are legal services, engineering and architectural services, accounting services, research and development services, and management/public relations services. Executive offices, legislative bodies, and government offices are included in this occupancy class as are government establishments engaged in finance and taxation, in environmental quality and housing programs, and in the administration of economic programs including transportation, communications and utilities, agriculture, space and technology, national security and internal affairs, as well as government establishments engaged in human resource programs such as public health, veterans affairs, education, and social and human resources.


Health Care Services


Occupancies include medical, surgical, and other health services including clinics, laboratories, hospitals, and other health services.


Entertainment and Recreation

78, 79, 84

This occupancy class includes motion picture production and distribution facilities including motion picture theaters and video tape rental establishments, dance studios, theatrical production (other than motion picture), bowling centers, sports clubs, and physical fitness facilities, as well as amusement parks, museums, art galleries, arboreta, and botanical and zoological gardens.

For all exposures in the U.S., Canada, the Caribbean, and Japan and for exposures covered for wind in Europe, use code 319 rather than 317 for golf courses. In other regions, use 317 for golf courses.

  Although AIR does not model swimming pools explicitly, a suggestion for coding a swimming pool includes using either 116 (Reinforced Masonry) or 131 (Reinforced Concrete) as the construction code, using occupancy code 317, and entering the replacement value for the pool as the building replacement value (that is, Coverage A).




Automobile parking facilities


Golf Courses


Golf courses and related buildings and facilities.

Valid for all exposures in the U.S., Australia, Canada, South America, the Caribbean, Japan, South Korea, China, and Taiwan and for exposures covered for wind in Europe. In other regions, use code 317 for golf courses.


Construction/Erection Risks


Commercial construction/erection risk is an under-construction building that is intended for a general commercial occupancy.

Currently supported only for locations in China, India, South Korea, Southeast Asia (Earthquake and Typhoon), South America, and Japan (Earthquake and Typhoon).


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Touchstone V3.0 Updated December 01, 2016