Who asks › Insurance agents
For independent P&C agents with restaurant and hospitality accounts
You know what’s in the endorsement. Your insureds don’t.
A protective safeguards endorsement is one page and it functions as a warranty. Your restaurant insureds agreed to keep the hood cleaned and the suppression, sprinklers and alarm serviced — and most of them will meet that condition for the first time in a denial letter. You placed the policy. You’re the next call.
In June 2025, a Washington appeals court upheld a full denial of a café fire loss. The endorsement required suppression service every six months and hood cleaning every quarter; the vendors’ records showed three service visits in three years and one cleaning that year. The system put the fire out. It made no difference — a system not maintained to its schedule is not “in complete working order.”
Whaley v. Ohio Security Insurance Co., No. 86200-6-I (Wash. Ct. App. June 16, 2025) · ISO protective safeguards endorsement
Free · 2 minutes · about your book, not a kitchen
How exposed is your restaurant book?
Six questions. You’ll see which accounts to call before renewal, and what to say.
1How many restaurant or commercial kitchen accounts do you write?
2How many of them carry a protective safeguards endorsement?
3Have you documented advising each of those insureds what the endorsement requires?
4At renewal, could any of your restaurant insureds produce signed service records across the whole policy period?
5In the last three years, has any account of yours had a claim reduced or denied over a safeguards condition?
6Who at your agency owns restaurant risk?
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.
Walk into renewal holding something the other agent isn’t.
Three steps, none of which cost you or your insured anything.
Step one
Send the Risk Assessment to your restaurant insureds
Three minutes, no account. Each insured sees which of their fire and food records they could produce right now. You see the roster.
Step two
Invite them to Policy Lens
They upload the policy. EvidLY reads it and identifies the operational provisions inside — what the endorsement actually asks of them. You evaluate the coverage; EvidLY never does. Policy Lens →
Step three
Ask about the session
“Reading the Policy Before the Fire”: a two-hour session for P&C agents on the protective safeguards endorsement and the records that satisfy it. Credit availability depends on your state’s approving body — ask and we’ll tell you where it stands.
Your book, insured by insured
What comes back when your insureds take the Risk Assessment. Fire and food separately — the endorsement only reads fire, and so should you.
Restaurant accounts
Sample — what it looks like when they answer
| Insured | Fire records | Endorsement | Renewal | Answered |
|---|---|---|---|---|
| Full-service, two locations | 2 of 6 | Not sure it has one | November | Yesterday |
| Quick service, single | 6 of 6 | Knows the condition | March | 3 days ago |
| Bar and grill | 4 of 6 | Has one, no records across the period | January | Last week |
| Hotel restaurant | — | — | February | Not yet |
An insured who can produce signed service records across the whole policy period walks into renewal as a documented, low-risk operation. That is the conversation. EvidLY doesn’t guarantee premium outcomes — the carrier sets the premium. It produces the records that make the case. What carriers actually look at →
What this costs you
Nothing. You are not asked to pay, refer, or sell. If an insured decides to close their gaps with EvidLY, that’s between them and us. What you get is retention and a renewal conversation you can’t have any other way — and your insureds get told what their own policy requires before it costs them.
Nobody asks for a record on a good day.
Start with two minutes on your book. Or send the Risk Assessment to your restaurant accounts today and see who could produce what.