In general, each type of occupancy must meet all of the criteria for its type. For example, a residential board and care facility would meet specific requirements for the "residence and board" areas, perhaps "educational" requirements for a classroom, and "assembly occupancy" requirements for a main "meeting hall". The code includes tables listing which occupancies are not allowed within the same structure and how much fire separation is required between those that are allowed (e.g., 2 hour fire walls on classroom in a residential boarding facility).
There are actually a few ways that you can calculate occupancy rate. You can have general unit occupancy, occupancy by square footage or economic occupancy. There is an article in the Storage Facilitator that breaks down each of these and tells you what percentage you should aim for. Check it out in the related links section.
Occupancy expense. Expense relating to the use of property. Examples: rent, heat, light, depreciation, upkeep, and general care of premises occupied.
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For a church occupancy under a general liability policy, the typical class code used is 00130. This code generally applies to religious organizations and covers activities related to the operation of a church. However, it's essential to consult with your insurance provider, as codes can vary by insurer and specific circumstances.