Coverage Under Protective Safeguards Endorsement Requires Heightened Standard of Care
Coverage for a fire loss was conditioned on the presence of certain fire protection systems "in complete working order."
January 11, 2024 at 05:00 AM
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On appeal from the district court, the Fifth Circuit held that a CGL policy’s protective safeguard endorsement required the insured restaurant’s fire suppression system to be in complete working order on the day of a fire in order to receive coverage. The case is Scottsdale Insurance Co. v. Logansport Gaming, L.L.C., 556 Fed. Appx. 356 (5th Cir. 2014). Note that this case is unpublished and therefore has limited precedential value.
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