[P165]

protective safeguards clause

In property insurance, a clause or provision that clarifies that coverage was granted or a premium credit given based on the existence of, continual maintenance of, and operation of a specified protective device by the insured. The insurer has the right, in some jurisdictions, to void the coverage should a loss occur as a direct result of the lack of maintenance or operation of the specified device. Common examples are sprinkler systems and fire or theft alarms.