Abstract: A system and method that determines risk exposure for a selected site by using adjacency analysis to identify and process sites that may not be visible to the user on a display unit. The system determines the risk exposure for a selected site by using geographical adjacency to evaluate other sites for potential impact. The system geographically stores hazard sites and sensitive receptor sites. Moreover, the system creates and stores a sphere of influence and a sphere of receptivity for each hazard site and sensitive receptor site, respectively. For the selected site, the system calculates a sphere of evaluation based on a geographical location of the selected site and a given radial extent. The system determines if the sphere of influence or the sphere of receptivity intersects the sphere of evaluation and outputs the results of the intersection analysis to the display unit.

Abstract: A system and method that determines building occupancy at a selected site by using geographically based structures to identify potential clients and to analyze aggregate carrier exposure levels at the selected site. This is achieved by using geographically based structures that are formed by geocoding business addresses and by linking all similarly geocoded businesses. Geographically based structures identify building characteristics and occupant related information. Specifically, all business addresses are address standardized, interjected with public protection code information and then geocoded. The geocoding information is used to identify and determine the building's occupancy configuration. For each tenant or occupant of the building, the system will initially display basic information that includes for example, business name, address and whether the business is currently insured by the carrier.