Throughout history, protecting commercial structures from fire has been important. Fire poses risk in terms of safety to occupants, building integrity, business interruption and the economic health of a community. Consequently, reduction in the risk of fire for commercial buildings has been a significant goal for society, achieved through a better understanding of all the factors that contribute to fire risk. Designing and building structures in compliance with building and fire code requirements, and insurance industry guidelines, contributes to the reduction of fire losses. Wood has had a long history of use in commercial construction. Some of the reasons for this are:

high strength-to-weight ratio,

ease of use and constructability,

known performance characteristics,

resource abundance and renewability,

economy in construction, and

architectural aesthetics.

Wood construction that makes use of good design and appropriate fire protection measures provides a level of fire safety that is comparable to other types of construction. This document discusses some of the basic factors that affect fire risk and property insurance rates, as well as some common misconceptions regarding what conditions make commercial buildings fire-safe.