Protective safeguards endorsement in property insurance policies require you to maintain specific protective devices and services. You are required to always keep these specific protective safeguards in operation as a condition of coverage.

Some examples of protective safeguards listed on an endorsement are:

  • Automatic Sprinkler System
  • Automatic Fire Alarm
  • Security Service
  • Service Contract
  • Automatic Commercial Cooking and Extinguishing System
  • Protective System Described in the Schedule

There are also several conditions included in protective safeguard endorsements that help ensure a smooth resolution in the event of an incident, including:

  1. Maintain, within your control, the protective safeguard listed in complete working order.
  2. Ensure that all automatic systems, such as fire alarms, are actively engaged and properly maintained in the “on” position at all times.
  3. Notify your broker if you are aware of any suspension or impairment of your protective safeguards.

Due to potential coverage gaps that can be created by this endorsement, it’s crucial for you to be aware of whether this endorsement is included in your policy and whether it can be removed. In the event of an incident, coverage may be denied if it is discovered that you were aware of a malfunction of the protective safeguard, or if you neglect to properly maintain the system.

For more information on your policies and endorsements, contact a Marsh McLennan Agency (MMA) advisor.

Related insights