A strip-mall includes eight identical-sized retail units. All of the units were built at the same time and each has an identical sprinkler system

Unit number two is a dry cleaning business. Unit number three is a bar and grill. Unit number four is a dress shop. The owners of these three units are all insured by the same insurance company, but the property insurance premiums vary significantly. Which of the following rating factors best explains the difference in premiums?
A) exposure
B) protection
C) construction
D) occupancy

Answer: D