FOR IMMEDIATE RELEASE: MARCH 2010
MSO PARTNERS WITH PAUL DAVIS RESTORATION

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that they have partnered with Paul Davis Restoration, Inc., a national franchise organization and leading provider of fire, water and mold damage clean up and restoration services for residential and commercial properties, to provide 24/7 emergency services mitigation and reconstruction to MSO Inc. member insurance companies and select prospects.

Through this preferred vendor relationship arrangement, MSO will benefit from having a national restoration contractor network that has more than 40 years of experience in successfully restoring property damage due to fire, flood, wind, storm or other disaster.

"This agreement will give MSO member insurance companies and their policyholders access to an experienced organization known for quick response and quality work for all their disaster restoration needs," said Tracy Bachtell, Senior Vice President, Business Development for Paul Davis Restoration, Inc. "We at Paul Davis are pleased with the agreement and look forward to working with the MSO organization."

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 the program 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 2010
MSO GOES GREEN

Glen Rock, NJ - In response to the trend towards use of more energy efficient and environmentally friendly “green” products and materials, MSO^®, Inc. (The Mutual Service Office, Inc.) has introduced a Green Upgrade Supplemental Coverage endorsement for their Commercial Property program. Highlights of the endorsement include:

• An additional limit (available in 5% increments of the Coverage A limit) for the increased costs to repair or replace damaged property with “green” property that meets the standards of a “green authority.”
• A sub-limit of 25% of the additional amount of coverage may be used for green related costs such as design and engineering professional fees, re-certification fees and ventilation expenses.
• An extension to the period of indemnity for up to 30 days when the restoration time is increased due to the additional time required to make repairs or replace property with “green” materials.

MSO’s Green Endorsement is currently available in Delaware, Maryland, New Jersey, New York and Pennsylvania. Filings will be made in all states where MSO operates. Future plans include green coverage endorsements for all other programs, including Personal Lines and BOP.

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 the program 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 2010
MSO INTRODUCES UPDATED PERSONAL LINES PROGRAM

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their unique Personal Lines program has been updated. Coverage has been expanded to include removal of trees that do not damage covered property but block access to driveways, sidewalks or handicapped access. Many of the changes were done as clarifications of conditions and exclusions. A condition was added to clarify that the company has the right to inspect the property. Collapse is removed from the causes of loss and included as a separate supplemental coverage. In New Jersey, an actual cash value option was added to loss settlement provisions.

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.

Highlights of the flexible MSO Personal Lines Program include:

• A single Common Provisions Form applies to all programs. This includes all conditions other than specific causes of loss, dollar limits of liability, and provisions unique to a specific program.
• Building Code coverage built into Homeowners program and optional on Combination Dwelling.
• Unique Combination Dwelling program offers opportunity to provide Homeowners type coverage on properties not otherwise eligible.
• 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’s Personal Lines Program is available in Delaware, Maryland, New Jersey, Ohio and Pennsylvania. The program will be filed in New York later this year.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: DECEMBER 2009
MSO ANNOUNCES PARTNERSHIP WITH INSURCARD

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that they have partnered with InsurCard. InsurCard is a system that uses prepaid debit cards for insurance claims payments. Originally offered for Workers' Compensation, the cards are now available for all property and casualty lines. Advantages of the system for insurers include reduced claims processing costs (no paper checks to handle), enhanced fraud protection, and improved cash flow and record keeping. Funds for subsequent payments can be added electronically to a claimant's card which negates any waiting periods that normally occur with check issuance.

"The insurance industry is a unique fit for prepaid cards because payment by card can greatly expedite the claims process," says J. Robert Mendte, President, InsurCard.

"We are very excited about our partnership with InsurCard, as we expect it to set the standard for insurance claim payments for the future in the insurance industry. We see this as an opportunity to offer our clients a best-in-class service that will help them control costs and enhance customer service, while keeping premiums at competitive levels," adds Jan Scites, CEO, MSO, Inc.

Companies may implement Insurcard through MSO at a discounted rate. The service is available to MSO member companies as well as the general insurance industry.

About InsurCard
InsurCard is a wholly owned subsidiary of Service Network Design, LLC (SND), a management consulting firm with corporate financial clients in both the insurance and prepaid card industries. InsurCard Prepaid Cards evolved from SND's experience in these industries, where the need for new claim payment solutions was recognized. The InsurCard Prepaid Card was specifically designed to meet the stringent requirements of both the insurance and prepaid card industries. For more information about InsurCard, please visit www.insurcard.com.

About MSO
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 language between the programs also makes claims handling easier.

MSO programs are available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region, as well as North and South Carolina.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: OCTOBER 2009
MSO INTRODUCES RESTAURANT BOP PROGRAM

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that it is introducing a Businessowners program for Restaurant risks. To date, the Program has been approved in Maine, Maryland, New Jersey, New York, Pennsylvania and Rhode Island. Coverage is written as an endorsement that may be used as an attachment to the standard BOP policy forms. The Restaurant program is in addition to the other niche BOP programs offered by MSO: Bed & Breakfasts, Condominium Associations (Residential and Commercial), Landlords and Home Business. MSO also offers a BOP that includes the option to provide named perils on buildings as well as business personal property. Declarations Supplements that are specific to the Restaurant program clearly show the coverage enhancements and dollar sublimits.

The Restaurant program is designed as an endorsement that may be attached to either the "expanded" (BU 04 01) or "named perils" (BU 04 02) policy forms. When used with BU 04 01, the restaurant program includes "all risk" coverage on buildings and contents. Using BU 04 02 provides named perils valued at replacement cost on buildings and named perils on contents. Liability is Broad Form coverage, including Personal Injury and Advertising Injury, Customers' Property Coverage and Property Legal Liability. The specific rules and rating procedures applicable to the Restaurant BOP are included in separate Manual Supplement pages.

Property coverage enhancements in the MSO Restaurant BOP include increased basic limits for:

• Accounts Receivable
• Consequent Loss
• Off Premises Property
• Credit Card/Forgery/Counterfeit Money
• Debris Removal
• Employee Dishonesty
• Fire Expense Coverages
• Food Contamination
• Lock Replacement
• Outdoor Signs and Satellite Dishes
• Reward Payment
• Trees, Shrubs and Plants
• Valuable Papers
• Water Damage - Sewer/Drain Backup

MSO's plain language programs save companies money by clearly excluding coverage for claims that were never intended to be paid. Consistency of language between the programs also makes claims handling easier. As with all programs, MSO staff is available to customize these programs.

MSO programs are available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region, as well as North and South Carolina.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: OCTOBER 2009
MSO BOP AVAILABLE IN RHODE ISLAND

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their popular Businessowners program is now available in Rhode Island. MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. The BOP is the bureau's first offering in Rhode Island.

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 for Residential or Commercial Condominium Associations and Landlords
• A Named Perils version which provides named perils coverage on buildings as well as business personal property
• 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. Consistency of language between the programs also makes claims handling easier.

MSO programs are available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region, as well as North and South Carolina.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: AUGUST 2009
MSO INTRODUCES COMMERCIAL AUTO PROGRAM IN INDIANA

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their Commercial Auto program is now available in Indiana. This complements the other programs offered in the state, including Businessowners (BOP), Commercial Inland Marine and Commercial and Personal Umbrella.

Coverages under the MSO Auto program are essentially equivalent to those found in other industry programs, however, the drafting style and format follows that used in other MSO programs. The policy is fully self contained, including all pertinent coverages, exclusions and conditions other than those that are state-specific. We have also built in several provisions that are added by endorsement under other programs. These are coverage modifications that are included without premium adjustment. They include the "Individual as Named Insured" provision for both Liability and Physical Damage coverage; Explosives, Wrong Delivery of Liquid Products, Rolling Stores and Professional exclusions for Liability; Nuclear Common Exclusion; Farm Equipment Exclusion for Physical Damage; Loss Payable Condition for Physical Damage. The optional Auto Medical Payments provision is also included in the Liability section rather than as an add-on by endorsement. This inclusive style eliminates the use of nine different endorsements, thereby simplifying policy construction.

The streamlined MSO Commercial Auto Manual includes classification and rating procedures for selected eligible commercial auto exposures. These are: trucks and trailers, private passenger types, church buses, school buses and funeral directors. Certain classes and provisions contained in the standard industry manuals are not included in the MSO program, as they are not risks that our current members write. For example: zone rated risks and taxicabs. We have simplified the rating procedures in the MSO manual as well.

MSO offers Property and Casualty programs for all commercial and personal lines. Personal Lines programs include Homeowners, Mobilehomeowners, Combination Dwelling, Inland Marine, Farmowners, Umbrella Liability, and Personal Automobile. In addition to the BOP, Commercial programs include: Property and Liability (including Farm), Auto, House of Worship, Contractors, Inland Marine, Garage, Garagekeepers and Umbrella.

MSO has long been an industry leader, offering programs that are comprehensive and easy to use. Highlights of MSO programs include:

• Plain language saves companies money by clearly excluding coverage for claims that were never intended to be paid
• Easily customizable to meet company's underwriting and marketing needs
• Declarations Supplements showing coverage limits - dollar limits are not hidden in policy forms
• True exclusions, with exceptions shown as Supplemental Coverages, helps avoid confusion
• Streamlined policy construction and rating procedures reduce processing and paperwork
• Consistency of policy language between programs makes claims handling easier
• Compatibility with other industry programs
• Schedule property rating enables companies to underwrite individual risks more profitably

MSO programs are also available in Delaware, District of Columbia, Indiana, Maine, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JULY 2009
MSO INTRODUCES NEW BOP FOR BED AND BREAKFASTS IN NEW HAMPSHIRE

Glen Rock, NJ - The MSO^® Bed and Breakfast Businessowners policy is now approved for use in New Hampshire. The B&B is a niche market program that follows the format of the standard MSO BOP policy, plus specialty coverages designed to meet the unique needs of the B&B insured. The MSO program includes the most common enhancements found in other B&B programs on the market.

The MSO B&B BOP combines property and liability provisions and conditions in one form. A specific Declarations Supplement shows the coverage enhancements and dollar sublimits.

Highlights of the flexible MSO B&B Businessowners policy include:

• “All Risk”, replacement cost coverage on buildings and business personal property
• Loss of Income on an Actual Loss Sustained basis for up to one year including a 90 day restoration period extension
• Coverage enhancements for Food Contamination, Guests’ Property and Guests’ Relocation Expenses
• Easily customizable Declarations Supplement showing coverage limits to help agents market to clients
• True exclusions, with exceptions shown as Supplemental Coverages, to help avoid confusion
• A streamlined rating structure that enables agents to rate a policy in minutes

In addition, if the owner lives on premises:

• Coverage for household contents - “all risk”; replacement cost; on and off premises
• Additional Living Expense
• Comprehensive Personal Liability

MSO, Inc. (The Mutual Service Office, Inc.) 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 language between the programs also makes claims handling easier.

MSO programs are currently available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states, as well as North and South Carolina, and are in the process of filing programs in the new states.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JUNE 2009
MSO EXPANDS PROGRAM OFFERINGS IN MARYLAND

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their Bed and Breakfast Businessowners (BOP) program is now available in Maryland. This complements the other BOP programs offered in the state, including options for Landlords and Commercial and Residential Condominium Associations. MSO offers Property and Casualty programs for all commercial and personal lines. Personal Lines programs include Homeowners, Mobilehomeowners, Combination Dwelling, Inland Marine, Farmowners, Umbrella Liability, and Personal Automobile. In addition to the BOP, Commercial programs include: Property and Liability (including Farm), Auto, House of Worship, Contractors, Inland Marine, Garage, Garagekeepers and Umbrella.

MSO has long been an industry leader, offering programs that are comprehensive and easy to use.

Highlights of MSO programs include:

• Plain language saves companies money by clearly excluding coverage for claims that were never intended to be paid
• Easily customizable to meet company's underwriting and marketing needs
• Declarations Supplements showing coverage limits - dollar limits are not hidden in policy forms
• True exclusions, with exceptions shown as Supplemental Coverages, helps avoid confusion
• Streamlined policy construction and rating procedures reduce processing and paperwork
• Consistency of policy language between programs makes claims handling easier
• Compatibility with other industry programs
• Schedule property rating enables companies to underwrite individual risks more profitably

MSO programs are also available in Delaware, District of Columbia, Indiana, Maine, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JUNE 2009
MSO OFFERS FULL RANGE OF PROGRAMS IN OHIO

Glen Rock, NJ - MSO^®, Inc. (The Mutual Service Office, Inc.) has announced that their Personal Lines program is now available in Ohio. Personal Lines programs include Homeowners, Mobilehomeowners, Combination Dwelling, Inland Marine and Umbrella Liability. This complements the MSO Commercial Programs previously available in the state. Previously approved programs include: Businessowners, and Commercial Auto. Commercial Property and Liability programs are also being filed in the state.

MSO has long been an industry leader, offering programs that are comprehensive and easy to use.

Highlights of MSO programs include:

• Plain language saves companies money by clearly excluding coverage for claims that were never intended to be paid
• Easily customizable to meet company's underwriting and marketing needs
• Declarations Supplements showing coverage limits - dollar limits are not hidden in policy forms
• True exclusions, with exceptions shown as Supplemental Coverages, helps avoid confusion
• Streamlined policy construction and rating procedures reduce processing and paperwork
• Consistency of policy language between programs makes claims handling easier
• Compatibility with other industry programs
• Schedule property rating enables companies to underwrite individual risks more profitably

MSO programs are also available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: MAY 2009
MSO INTRODUCES BED AND BREAKFAST BOP

Glen Rock, NJ - The MSO^® Bed and Breakfast Businessowners policy is currently approved for use in Delaware, Maine, New Jersey, Pennsylvania and Vermont. The Bed and Breakfast (B&B) filing is pending in Delaware, Maryland, New Hampshire and Vermont. The B&B is a niche market program that follows the format of the standard MSO BOP policy, plus specialty coverages designed to meet the unique needs of the B&B insured. The MSO program includes the most common enhancements found in other B&B programs on the market.

The MSO B&B BOP combines property and liability provisions and conditions in one form. A specific Declarations Supplement shows the coverage enhancements and dollar sublimits.

Highlights of the flexible MSO B&B Businessowners policy include:

• “All Risk”, replacement cost coverage on buildings and business personal property
• Loss of Income on an Actual Loss Sustained basis for up to one year including a 90 day restoration period extension
• Coverage enhancements for Food Contamination, Guests’ Property and Guests’ Relocation Expenses
• Easily customizable Declarations Supplement showing coverage limits to help agents market to clients
• True exclusions, with exceptions shown as Supplemental Coverages, to help avoid confusion
• A streamlined rating structure that enables agents to rate a policy in minutes

In addition, if the owner lives on premises:

• Coverage for household contents - “all risk”; replacement cost; on and off premises
• Additional Living Expense
• Comprehensive Personal Liability

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 language between the programs also makes claims handling easier.

MSO programs are available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states, as well as North and South Carolina, and are in the process of filing programs in the new states.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: APRIL 2009
MSO INTRODUCES NATIONWIDE ELECTRONIC FILING SERVICE

Glen Rock, NJ - MSO®, Inc. (The Mutual Service Office, Inc.) has announced the introduction of a national filing service using the NAIC’s System for Electronic Rate and Form Filing (SERFF). The use of SERFF is already required in a number of states, and the number is increasing.

Benefits of SERFF’s electronic filings:

• Eliminates paper handling delays, or more importantly, the possibility of lost filings.
• Reduced time from filing to approval.
• Speed to Market filings can be done through SERFF.
• Simplifies archiving of filing records.

MSO is a licensed third-party SERFF filer and our experienced staff will file property and casualty rates, rules and forms for any insurer, in any state.

Benefits of using MSO’s SERFF filing service:

• No need for company to purchase SERFF filing blocks.
• MSO staff is already expert at handling SERFF. No need to train your staff.
• MSO tracks everything electronically.
• Periodic status reports provided.
• Electronic storage available.

MSO is a licensed rate service organization serving both mutual and stock companies. MSO provides custom rate and statistical services for all property and casualty lines except Workers’ Compensation. First incorporated in 1944, our goal today remains the same - to provide small to mid-sized insurers with an easier, more profitable way to underwrite risks.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: MARCH 2009
MSO ROUNDS OUT PROGRAM OFFERINGS IN NEW YORK

Glen Rock, NJ/March 13, 2009 - MSO®, Inc. (The Mutual Service Office, Inc.) has announced that their Commercial Umbrella program is now available in New York. This rounds out the MSO Commercial Lines Programs available in the state. Previously approved programs include: Businessowners, Commercial Auto, Commercial Property and Liability, and forms and endorsements for House of Worship and Inland Marine.

MSO has long been an industry leader, offering programs that are comprehensive and easy to use.

Highlights of MSO programs include:

• Plain language saves companies money by clearly excluding coverage for claims that were never intended to be paid
• Easily customizable to meet company’s underwriting and marketing needs
• Declarations Supplements showing coverage limits - dollar limits are not hidden in policy forms
• True exclusions, with exceptions shown as Supplemental Coverages, helps avoid confusion
• Streamlined policy construction and rating procedures reduce processing and paperwork
• Consistency of policy language between programs makes claims handling easier
• Compatibility with other industry program
• Schedule property rating enables companies to underwrite individual risks more profitably

MSO programs are also available in Delaware, District of Columbia, Indiana, Maine, Maryland, New Hampshire, New Jersey, Ohio, Pennsylvania, Vermont, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU.

FOR IMMEDIATE RELEASE: JANUARY 2009
MSO BOP AVAILABLE IN NEW ENGLAND

Glen Rock, NJ/January 6, 2009 - MSO®, Inc. (The Mutual Service Office, Inc.) has announced that their popular Businessowners program is now available in New Hampshire and Vermont. This is MSO's first offering in the states.

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 for Residential or Commercial Condominium Associations and Landlords
• A Named Perils version which provides named perils coverage on buildings as well as business personal property
• 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. Consistency of language between the programs also makes claims handling easier.

MSO programs are available in Delaware, District of Columbia, Indiana, Maryland, New Jersey, New York, Ohio, Pennsylvania, Virginia and West Virginia. We have recently expanded into all of the New England states and are in the process of filing programs in the region.

MSO is the oldest continuously operating property/casualty rating service bureau, providing product development and rating services to the insurance industry since 1944. For information on all of the programs and services offered by MSO, call Sue C. Quimby, CPCU