Shopping Mall

Insurance answer
The underwriters for the insurance companies will consider each mall on an individual basis. The fire exposure depends on the design of the mall, construction type, age, size, type of tenants in the mall and how the lease has been set up to allow some control regarding fire prevention. The more restaurants and liquor stores then the higher the risk of fire losses.

The tenants need to have strict guidelines regarding storage and disposal of flammables or perishable materials.

A well-documented safety program should be noted on your insurance file. Talk to your agent or broker about what steps you have taken to reduce the risk of claims.