July 28, 2014

I have a case where a frame restaurant has a sprinkler system and is recognized by ISO as being sprinklered, but the system does not extend to the office area.  Our desirable recommendation was to expand the system to include the office.  We have the Protective Safeguards, IL 04 15, endorsement on the policy.

Since we are writing the coverage using the ISO published rates, and they recognize the fact that the sprinkler does not include the office, if there is a fire will the fact that the office does not have the sprinkler present a problem due to the IL 04 15 attachment?

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