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I didnt see any reference for Diversity factor since it can be very different even for same type of buildings but in different locations.
But normally public and office places are more likely to have0. -0. diversity factor
EEE Standard 141(TM)-1993, IEEE Recommended Practice for Electric Power Distribution for Industrial Plants, Red Book.
As per Carrier hand bock Load estimating CH. 3 Heat Storage, Diversity and Stratification
Diversity of cooling load results from the probable non-occurrence of part of the cooling load on a design
day. Diversity factors are applied to the refrigeration capacity in large air conditioning systems. These
factors vary with location, type and size of the application, and are based entirely on the judgment of
the engineer.
TABLE 14-TYPICAL DIVERSITY FACTORS
FOR LARGE BUILDINGS
(Apply to Refrigeration Capacity
Office: People load 0.75 to 0.90 - lighting load 0.70 to 0.85
Apartment, Hotel: People load 0.40 to 0.60 - lighting load 0.30 to 0.50
Department Store: People load 0.80 to 0.90 - lighting load 0.90 to 1.0
Industrial* : People load 0.85 to 0.95 - lighting load 0.80 to 0.90
if there is another reference kindly send your answer
Generally the diversity factor is taken around-ten to fifteen %.