SI Meat Village, Inc. v. AmGuard Insurance Co.

MEMORANDUM AND ORDER

BLOCK, Senior District Judge:

Si Meat Village, Inc., seeks recovery from its insurer, AmGuard Insurance Company, for property damage and lost income due to a fire. AmGuard moves for summary judgment on that claim. For the following reasons, the motion is granted.1

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The policy at issue includes what is known as a “protective safeguards endorsement,” which required Si Meat to maintain an automatic fire alarm on the premises. The policy explicitly excludes losses due to fire “if, prior to the fire, [the policyholder flailed to maintain any protective safeguard listed in the…