What it does
CP 04 11 adds a Protective Safeguards condition to the Commercial Property Conditions. The insured must:
- Keep the safeguards listed in the Schedule (those under its control) in complete working order.
- Keep any listed automatic fire alarm or automatic system turned on at all times.
- Notify the insurer of any known suspension or impairment.
A sprinkler system or kitchen extinguishing system shut down because of breakage, leakage, freezing or opened heads does not have to be reported if full protection is restored within 48 hours. The endorsement also adds an exclusion: no coverage for fire if, before the fire, the insured failed to comply with the condition.
Safeguard symbols
- P-1: automatic sprinkler system, including supervisory services.
- P-2: automatic fire alarm reporting to a central station or a fire alarm station.
- P-3: security service making hourly rounds when the premises are not operating.
- P-4: service contract with a private fire department.
- P-5: automatic commercial cooking exhaust and extinguishing system (hood, grease removal, duct, wet chemical equipment).
- P-9: any other system described in the Schedule.
Who sees it
Restaurants nearly always see P-5. Sprinklered buildings that get a sprinkler rating credit see P-1. Some underwriters add it to any risk that reported a central-station alarm.
Quoting and selling notes
- This is a coverage-forfeiture endorsement. Make sure the client knows which systems are listed and that they need inspection and service records (hood cleaning, semi-annual extinguishing system service, alarm monitoring).
- Confirm the application accurately describes protection. Listing a system that is not installed or not monitored creates a gap.
- The theft equivalent is CP 12 11. The interline version for other coverage parts is IL 04 15.
