The endorsement is your instrument. You can’t verify it until the building burns.

A protective safeguards endorsement prices the policy on the assumption that the hood is cleaned and the suppression, sprinklers and alarm are serviced. At bind and renewal, that assumption is usually a representation on an application. You find out it lapsed at the same moment you find out about the loss.

7,410

Structure fires a year, eating and drinking establishments

$165M

Direct property damage a year

61%

Cooking equipment as cause

22%

Traced to a lapse in cleaning

National Fire Protection Association

Free · 2 minutes · about the book, not a location

Where is the endorsement a representation, and where is it verified?

Five questions. Answered honestly, they size the verification gap in your kitchen book.

1At bind, how is compliance with the endorsement verified?

2At renewal?

3In the last three years, kitchen fire claims reduced or denied on a safeguards condition?

4How many restaurant or kitchen locations are in your book?

Your answers are used two ways: to give you your result, and — anonymously, in totals of ten or more — to improve fire and food safety education. They are never sold and never shared with your name on them.

The verification gap

What the endorsement is today, and what it can be when the insured’s records are sealed and dated where you can see them.

Today

A representation

The insured checks a box. The condition is tested once — after the loss — and the only evidence is whatever the insured can find in a binder that week.

With verified records

A condition met, with dates

Hood, suppression, sprinkler, alarm — each service sealed when it happened, by whom, to which standard. Readable at bind, at renewal, and at claim.

How it works with a carrier

At bindThe insured is invited to take the three-minute Risk Assessment and, if they choose, to share the result with you. What you see is which of the five fire records exist and their dates — not a coverage opinion.

At renewalThe same Risk Assessment, a year on. An insured whose records are sealed on EvidLY can show the full policy period without a search.

At claimRecords sealed before the loss are tamper-evident and write-once. Adjusters and counsel read them as they were on the day, not as they were reassembled afterward.

Across a regionHow many kitchens in a county or state hold verified records — a tally, never a list of names without consent. The county pages →

Your agents can start this at renewal today: what the agent page gives them → · how EvidLY reads a policy →

What EvidLY does and does not do

EvidLY reads policies and identifies the operational provisions inside them. It records what a kitchen’s vendors did and when, sealed against later alteration. It does not inspect, does not certify, and never makes a coverage determination — that stays with you. Every claim on this page is about records, not outcomes.

Talk to EvidLY about verified safeguards at bind.

Thirty minutes. Bring your kitchen book’s loss experience on the endorsement; we’ll bring what verification looks like in practice and what it would take in your workflow.

Schedule Discovery Call