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What You Don’t Know Will Hurt You!

By January 13, 2014February 21st, 2020Archived Blogs, Commercial Insurance

The coldest temperatures in two decades and the recent polar vortex have blanketed much of our area with snow and ice. As a result, many clients may have to temporarily turn off their sprinkler systems for repairs due to the freezing conditions.

Check your property policy! Your coverage may be jeopardized if you suffer a fire loss and the insurance company was not notified that the system was turned off, even temporarily.

It is good practice to review your Commercial Property Policy for a Protective Safeguard Endorsement.

This endorsement provides that the insurance carrier will not pay for loss or damage by fire if the insured:

  • Knew of any suspension or impairment
  • Failed to notify the insurance carrier of that fact
  • Failed to maintain any protective safeguards that are listed in the Schedule

Safeguards referenced in the endorsement can include the following items: an automatic sprinkler system, fire alarm, burglar alarms and smoke detectors.

JKJ Tip: Advise your insurance broker if the sprinkler system (or any alarm system) must be shut down for any reason, regardless. They can determine if a Protective Safeguards Endorsement is applicable and make the necessary arrangements with the insurance carrier to suspend the application of the endorsement.

Author: Tracy Thompson, Commercial Account Manager

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