FOR IMMEDIATE RELEASE: AUGUST 2011
MSO INTRODUCES PERSONAL UMBRELLA PROGRAM IN NEW YORK

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their unique Personal Umbrella program has been approved in New York. The MSO Homeowners program was previously approved in the State.

Highlights of the Personal Umbrella Program include:

• Option to write as an endorsement to the underlying Homeowners or as a stand alone.
• Excess Liability or Umbrella format.

MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy language between the programs also makes claims handling easier.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize the program to meet a company’s marketing and underwriting requirements.

MSO will continue to expand by making additional programs available in a growing number of states.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: AUGUST 2011
MSO COMMERCIAL LIABILITY PROGRAM UPDATED

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their Commercial Liability program has been updated in New Jersey and Pennsylvania. The Classifications have been revised, and several new endorsements have been introduced.

Highlights of the changes include:

• New classifications to reflect emerging industries, such as Green/Solar Construction and Correspondence/Online Schools.
• Revised classifications to reflect new terminology. For example Five and Ten Cent Stores are now Discount/Dollar Stores.
• Added cross reference classifications to make the program easier to use.
• Introduction of Additional Insured Endorsements for Primary/Non-Contributory coverage.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize the program to meet a company’s marketing and underwriting requirements.

MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy language between the programs also makes claims handling easier.

The revisions are being filed in Delaware, Maryland, New York and Virginia. The program will be filed in additional states shortly.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: AUGUST 2011
MSO ANNOUNCES PARTNERSHIP WITH PRIORITY DATA

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce their partnership with Priority Data, headquartered in Omaha, NE. Since 1979 Priority Data has served the insurance industry, especially property and casualty companies. Priority Data provides intuitive software solutions, including insurance quoting and rating software, in a hosted and fully supported environment, as well as customized business process outsourcing solutions for any element of the policy life cycle.

According to John Dunn, Priority Data’s Director of Business Development, “Priority Data is excited to partner with MSO and its member companies. We are pleased to provide easy to use, web-based programs for MSO member companies to compete in the marketplace.”

Jan Scites, CEO at MSO, Inc. commented: “We are delighted to work with the team from Priority Data. They have special expertise in systems for farm programs and the unique needs of carriers in the Midwest and other agricultural areas. We look forward to working with them to expand in the market space.”

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on Priority Data contact: John Dunn at (877) 273-7774 x506 or via email at sales@pdomaha.com. You can find Priority Data on the web at: www.prioritydata.com.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JULY 2011
AL SORENSEN JOINS MSO BOARD OF TRUSTEES

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce the addition of Allen (Al) Sorensen, MBA, CPCU to their Board of Trustees. Mr. Sorensen is Vice President, Corporate Underwriting for United Fire Group, based in Cedar Rapids, Iowa. United Fire recently acquired Mercer Insurance Group, a longtime MSO member company.

Mr. Sorensen has been with United Fire for 30 years, and has held a number of line and management positions. His current responsibilities include building consensus among regions on underwriting procedures/workflows and corporate functions such as the annual underwriting meeting, regional office underwriting audits, market conduct exams, vendor management, product development, rate/rule/form filings, and annual rate reviews for major lines of business.

When asked about joining the MSO Board, Mr. Sorensen responded: “I look forward to serving on the MSO, Inc. Board of Trustees. Like MSO, United Fire Group continues to expand our national footprint. Expansion creates both opportunities and challenges. MSO provides excellent service and is responsive to the product development and filing needs of their member companies. I will work with the MSO executive management team to ensure that these areas do not decline as additional states and member companies are added.”

According to MSO Board Chairman Kent Jones, CPA, CPCU, ARe, AIAF, CPIA, “We are delighted to have Al Sorensen join the MSO, Inc. Board of Trustees. He brings a wealth of knowledge in the regulatory arena as well as experience in business development growth across a national footprint.”

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JUNE 2011
MSO INTRODUCES HOMEOWNERS PROGRAM IN NEW YORK

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their unique Homeowners program has been approved in New York.

Highlights of the flexible MSO Homeowners Program include:

• A single Common Provisions Form, including all common policy conditions, applies to all Coverage Forms (such as MHO 3,4 6). Specific causes of loss, dollar limits of liability, and provisions unique to a specific form are shown in the individual Coverage Forms and not hidden in the main Common Provisions Form. Building Code coverage built in.
• Easily customizable Coverage Forms showing coverage limits to help agents market to clients.
• True exclusions, with exceptions shown as Supplemental Coverages, to help avoid confusion.

MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy language between the programs also makes claims handling easier.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize the program to meet a company’s marketing and underwriting requirements.

MSO will continue to expand by making additional programs available in a growing number of states.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JUNE 2011
MSO ANNOUNCES PARTNERSHIP WITH COLLIERS INTERNATIONAL

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce their partnership with Colliers International (www.colliers.com), a leading global real estate services organization. Headquartered in Seattle, Washington, the company has more than 480 offices worldwide. This gives them direct experience and expertise in local markets. Colliers is backed by the financial strength of First Service Corp., a strong, diversified capital partner, allowing them to invest in major client resources.

In addition to Transaction Management, Colliers offers a variety of services including Corporate Real Estate Strategy, Incentives and Site Selection Services, Portfolio Optimization, Research, Valuation and Appraisal, and Workplace Consulting.

According to Colliers’ Corporate Representation Team member John Cafasso, “We are excited to have a partnership with MSO. Our Colliers team focuses on providing the highest level of commercial real estate solutions for insurance companies. Our processes assist senior management in evaluating its individual or portfolio occupancy requirements and the effects of owned or leased portfolios on the balance sheet. We look forward to working with the MSO members.”

Jan Scites, CEO at MSO, Inc. commented: “Our partnership with Colliers International provides access to outstanding real estate services for our members. We are delighted to work with the team from Colliers.”

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements. For information on Colliers, contact John Cafasso (john.cafasso@colliers.com) or Phil Gagnon (phil.gagnon@colliers.com).

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: APRIL 2011
MSO WELCOMES UNITED FRONTIER

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to welcome our newest member company, United Frontier Mutual Insurance Company. Domiciled in Lockport, NY, the company was founded in 1877 as The Farmers Mutual Insurance Company of Orleans and Niagara Counties, and began business on February 19, 1878. The current name was adopted in 1987.

Tom Wronski, United Frontier’s President, says they chose MSO because “We share a passion for growth, innovation and service, while maintaining a sense of history. MSO’s ability and willingness to customize coverages and provide ongoing support will give us a competitive advantage and help us achieve our strategic goals.”

Jan Scites, MSO’s CEO commented “We are delighted to welcome Tom Wronski and the United Frontier Team as an MSO member company. They have a very successful product portfolio that is meeting the needs of insureds in upstate NY.”

The mission of United Frontier Mutual Insurance Company is to become a leading provider of Property and Casualty Insurance by offering unique, innovative and state-of-the-art products and services to its policyholders and agents. United Frontier currently writes fire, farmowners, homeowners, commercial multi-peril, boiler and machinery and inland marine lines of business. They are developing both commercial and personal umbrella programs and will soon be introducing other niche products.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO's plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company's marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: FEBRUARY 2011
MSO ANNOUNCES PARTNERSHIP WITH AGO

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce their partnership with AGO Insurance Software, Inc. (AGO) (www.agois.com) AGO has been developing software systems for property and casualty insurance companies using MSO’s rates, rules, and forms for nearly 25 years. AGO focuses specifically on smaller to mid-sized insurance companies, TPA’s and MGA’s.

AGO’s CEO, Larry Martin, said, “Whether an insurance company needs an off-the-shelf system or a tailored system for its unique needs, AGO has extensive experience working with MSO to meet all client company requirements. We always maintain our high standard of customer services and “easy-to-use” software philosophy. We have developed a very strong relationship with those at MSO and look forward to another 25 years of service to the property and casualty industry.”

AGO’s software suite is modularized. Companies can choose to implement the entire software suite, a single module running as a stand-alone system, or fully integrate with legacy or third party software systems. AGO’s software suite includes a browser-based Agency Portal and a full-featured browser-based Claims Tracking system for both in-house and remote users. AGO also offers all-lines policy processing and accounting and automated bureau reporting systems, so insurance companies can truly have a one-stop-shop for their software needs.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO's plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company's marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: FEBRUARY 2011
MSO PROMOTES JAN KOZLOWSKI AND PEPPER TREUVEY

Glen Rock, NJ - Congratulations are in order for longtime MSO employees, Jan Kozlowski and Pepper Treuvey, who have been promoted to Vice President, Insurance Programs and Regulatory Compliance and Senior Insurance Analyst/Corporate Secretary, respectively.

Jan Kozlowski has worked for MSO since 1989. Prior to joining MSO he spent 15 years in the ISO home office where he was responsible for commercial casualty product development. His current duties include identifying and analyzing the needs of MSO's clients, managing the development, introduction and maintenance of the various personal and commercial insurance products serviced by MSO, and monitoring the effects on the P & C insurance environment from the state and federal regulatory bodies.

Jan graduated from Saint Peter's College with a B.S. in Economics and Mathematics. He also earned his MBA from Liberty University. Jan is an active member of several insurance trade organizations and is currently serving on the Pennsylvania Association of Mutual Insurance Companies (PAMIC) Government Affairs Committee and Underwriting & Loss Prevention Committee. He also serves on the Advisory Board of the Virginia Association of Mutual Insurance Companies (VAMIC). Jan resides in Forest, Virginia with his wife, Patti. He enjoys spending time with his five grandchildren.

As Senior Insurance Analyst, Pepper Treuvey is involved with developing and updating the various personal and commercial MSO insurance products. She also works closely with MSO clients to assist them with their company specific filings. As Corporate Secretary, Pepper attends the Board of Trustee meetings. She sends out notices of the meetings, maintains and distributes all relevant materials, takes minutes, and receives and coordinates the minutes of the committee meetings.

Pepper Treuvey has been with MSO since 1980. She is a licensed NJ insurance broker and has earned the designation of Associate in Underwriting from the Insurance Institute of America (IIA). Pepper resides in Pompton Lakes, NJ with her Husband, Bob, a Black Lab, a Collared Dove and a Parakeet. She enjoys cycling, birding and hiking.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO's plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company's marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: FEBRUARY 2011
JOY CASAPULLO RETIRES FROM MSO AFTER 38 YEARS OF SERVICE

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) congratulates longtime MSO employee Joy Casapullo on her retirement. Joy joined MSO on February 1, 1973, when it was still known as The Mutual Service Office. Utilizing her bookkeeping background, Joy started as a Homeowners Policy Auditor. This was when all policies issued by an insurance company were sent to the rating bureau to verify accuracy in rating, forms and endorsements used, and statistical coding.

By 1979, Joy had mastered all of the auditing and clerical functions of the office, and was promoted to Supervisor of the unit. In 1986 she was promoted to Manager - Office Operations. As Manager, she was in charge of all of the internal functions of the office. In 1989, her responsibilities were expanded to include the field staff. In 1990, Joy was appointed Assistant Secretary, and in 1991 she was named Corporate Secretary. Joy was elected to the position of Vice President and Corporate Secretary in 1993. She held these positions until her switch to permanent part time status in the fall of 2010, when she continued to serve as Manager of Operations and Human Resources.

In addition to her responsibilities of managing the office, product distribution and field functions, Joy kept track of all of the projects at MSO. She visited member companies and assisted in training office, company and agency personnel. In one way or another, Joy has been involved in training every employee MSO has had over the past 30 years, from the Mail Clerk to the President.

"Joy has been a dedicated and valued employee and will be greatly missed by all of us at MSO. We wish her great success as she moves on to a new phase in her life." said MSO CEO Jan Scites.

Joy and her husband Mickey lived in Hawthorne, NJ for 42 years. They moved to their current home in Brick, NJ in 2010 in order to be closer to their granddaughter, Kristina. In addition to her work at MSO, Joy was an active member of the Advisory Council of the Co-operative Business Education Program for Hawthorne High School since 1983. As such, she assisted in the High School Career Days. Joy has attended various management courses and seminars, and completed the Introduction to Insurance and General Insurance courses from the Insurance Institute of America.

Joy's plans for retirement include volunteer work and spending time with her granddaughter. MSO congratulates Joy on her many years of fine service to the organization and its member companies.

FOR IMMEDIATE RELEASE: JANUARY 2011
MSO HOUSE OF WORSHIP PROGRAM UPDATED

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their House of Worship program has been updated in Delaware, Maryland, New Jersey and Pennsylvania. The MSO House of Worship program is patterned after the popular MSO Businessowners program. It is a self-contained package, including property and liability coverages in one easy to use form.

Highlights of the changes include:

• Increases in Supplemental Coverage limits
• Introduction of coverage for:


• Interruption of Computer Services Coverage
• Credit Card/Forgery/Counterfeit Money
• Employee Dishonesty
• Loss of Electronic Data
• Satellite Dishes
• Green Upgrade Supplemental Coverage option
• Functional replacement cost options for buildings and contents
• Options for increased Liability and Fire Legal Liability limits

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize the program to meet a company’s marketing and underwriting requirements.

MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy language between the programs also makes claims handling easier.

The MSO House of Worship Program is also available in Maine, New Hampshire, New York, Rhode Island and Vermont. The program will be filed in additional states shortly.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JANUARY 2011
MSO PARTNERS WITH CTS-CONSULTING TECHNOLOGIES

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is happy to announce its affiliation with CTS-Consulting (CTS) (www.cts-consulting.com), a management consulting firm based in Blue Bell, PA. CTS provides business planning, process improvement and technology implementation services to insurance companies. CTS will provide its services at preferred rates to MSO customers. According to CTS owner Charlie Schaefer “CTS-Consulting is delighted to work with the excellent team at MSO, Inc., and to now offer management consulting services to MSO’s member companies.”

In the management consulting area, CTS has developed business and information technology plans for a number of MSO companies. CTS’ experienced consultants have worked together for over ten years, using a time proven framework that includes unit cost benchmarking and best practices from the perspective of both business process and information technology. CTS uses information technology as a competitive resource to improve a company’s overall business operations and quality of service to insureds.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier. MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: DECEMBER 2010
MSO ANNOUNCES PARTNERSHIP WITH E2VALUE, INC.

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce their partnership with e2Value, Inc. e2Value is the leading hosted application provider delivering replacement cost valuations over the Web for all residential, commercial, farm and ranch properties in the United States and Canada. The company provides a property-based solution for risk management on a Microsoft® platform, while easily integrating with digital technologies. This expedites information sharing and decision making among the sales, underwriting and claims functions.

Founded in 1999 by former insurance executives and based in Stamford, CT, e2Value offers full-featured, knowledge-based Internet applications that enable consistency and standardization of pricing, processes and procedures for insurance. Todd Rissel, CEO of e2Value said “We are delighted to work with the excellent team at MSO, Inc. to offer another important service to MSO’s member companies.”

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: DECEMBER 2010
MSO COMMERCIAL PROPERTY PROGRAM REVISED

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their Commercial Property program has been revised in the states of Delaware, Maryland, New Jersey, New York and Pennsylvania.

Highlights of the revision include: simplified Crime and Glass rating; introduction of new Supplemental Coverages for Loss of Electronic Data and Satellite Dishes; and increased limits for several other Supplemental Coverages, including Outdoor Signs, Fire Department Service Charge and Fire Extinguisher Recharge. The Water Damage and Flood/Flooding exclusions have been revised to more clearly indicate what is intended to be excluded.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO will work with companies to customize the program to meet a company’s marketing and underwriting requirements.

MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy language between the programs also makes claims handling easier.

MSO will continue to expand by making additional programs available in a growing number of states.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: DECEMBER 2010
MSO ANNOUNCES PARTNERSHIP WITH BOARDBENCH

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce their partnership with The BoardBench Companies, LLC, based in Norwalk, CT. (www.boardbench.com) BoardBench provides targeted strategic Board and Executive level advisory services to public and private companies and not-for-profit organizations that want to improve the functioning of their boards.

BoardBench President and CEO, Nancy May was quoted as saying: "We are excited to form this partnership with MSO, Inc., and its members, and to being able to offer them reliable advice and thoughtful solutions for governance issues, and for improving what their boards deliver to stakeholders. Our company's boards-only focus, extensive personal relationships with diverse, top-notch director candidates, and research resources depth, stands us apart from the majority in our field."

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: NOVEMBER 2010
MSO ANNOUNCES PARTNERSHIP WITH MICHAEL L. AVERILL CONSULTING, LLC

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) is pleased to announce their partnership with Michael L. Averill Consulting, LLC (MLA Consulting). Mr. Averill is a former Assistant Insurance Commissioner of NH, with over 35 years’ experience in the industry at companies and service organizations. He is well versed in the regulatory environment and company operations. MLA Consulting assists companies in drafting policy language, state filings and program implementation. Mr. Averill represents clients at various industry, regulatory and legislative meetings. He is also an expert witness for claims and coverage issues. For information on Michael L. Averill Consulting, visit the website at www.mlaconsulting.com or email Mr. Averill at Mike@mlaconsulting.com.

According to Mr. Averill, “I welcome the partnership with MSO and look forward to providing cost efficient and timely services to the member companies.”

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. MSO has long been an industry leader, offering programs that are comprehensive and easy to use. MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of policy wording between the programs also makes claims handling easier.

MSO will work with companies to customize programs to meet a company’s marketing and underwriting requirements.

For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: OCTOBER 2010
MSO BOP AVAILABLE IN MASSACHUSETTS

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their popular Businessowners program is now available in Massachusetts. With the Massachusetts approval, the MSO Businessowners program is available in the New England states of Maine, New Hampshire, Vermont and Rhode Island. The Businessowners program is also available in New Jersey, New York, Pennsylvania, Delaware, Maryland, Indiana, Ohio and Virginia.

MSO has long been an industry leader, offering programs that are comprehensive and easy to use. Designed for main street type businesses, the MSO BOP combines property and liability provisions and conditions in one form. MSO will work with companies to customize the program to meet a company’s marketing and underwriting requirements.

Highlights of the flexible MSO Businessowners policy include :

• Separate coverage forms designed specifically for Residential or Commercial Condominium Associations, Landlords and Bed and Breakfasts.
• A Named Perils version which provides named perils coverage on buildings as well as business personal property.
• Restaurant BOP option.
• Business Income coverage on an Actual Loss Sustained basis which may also be written with dollar limits, or deleted entirely.
• Easily customizable Declarations Supplements showing coverage limits to help agents market to clients.
• True exclusions, with exceptions shown as Supplemental Coverages, to help avoid confusion.
• Coverage enhancements to include automatic coverage for Building Code/Law and Building Glass.
• The ability to provide “All Risk” contents coverage, but exclude theft.
• A streamlined rating structure that enables agents to rate a policy in minutes.

MSO’s plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Language consistency between the various programs makes claims handling easier.

Many of the MSO programs are available in Delaware, District of Columbia, Indiana, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and West Virginia. MSO will continue its expansion into the New England states, as well as other states, with the introduction of other MSO programs.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1945. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.