Premises occupied by a number of different tenants. The situation may present fire hazards due to: 1. Trades of widely different character under one roof. 2. Different standards of cleanliness. 3. Frequent changes of tenants without notice to the insurer. 4. Poor upkeep of fire extinguishing appliances in the absence of clear responsibility. 5. Risk of insecure and badly kept heating appliances in some parts of the building. If there is no fire division between the individual risks, the rate for the whole is fixed by reference to the highest-rated tenant.

This exists when a fire insurance covers more than one building or range of buildings each with its own separate sum insured.
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There is said to be plurality of risk where a fire insurance policy covers more than one location or set of property.