An interesting case arose in Illinois regarding an insurance policy issued by the plaintiff insurance company for a fire loss. The policy included a Protective Safeguards Endorsement (PSE) which stated that, as a condition of this insurance, the defendant was required to maintain certain protective devices, including an automatic burglary alarm protecting the entire building that sends signals to an outside central station or a police station. According to the endorsement, the plaintiff insurance company was not required to pay for loss or damage caused by or resulting from fire if the defendant failed to maintain any protective safeguard listed.
The building sustained significant damage due to a fire on the first floor of the building. A security guard discovered the fire and called 911.