Programs

Unlike some programs, the MSO Businessowners is not a combination of several different forms. It is a self-contained policy. Broad coverage options and a wide range of eligibility classes give you a real edge. The program has recently been updated. Coverage options and limits now track with those offered under the MSO Commercial Property and Liability Programs.

The MSO Commercial Auto Program is designed to easily provide coverage for small to midsize businesses. The filed manual includes rating procedures for trucks, funeral directors' autos, school and church buses, and private passenger "company" cars. The plain language policy and easy to use manual give you a competitive advantage. The program enables companies to write businesses that prefer to place their entire accounts with one carrier rather than in assigned risk plans.

The "all lines" classification system simplifies coding and greatly reduces the number of classifications needed. The same code is used for property and liability. Products coverage is built into the main form, with an option to exclude it. A basic coverage option form makes it easy to write risks requiring only OL&T type coverage, without a lot of additional paperwork. The MSO program retains the traditional rating bases of area for OL&T type risks, and payroll for M & C risks.

The Property Manual is simple to use and easy to automate. Rating is simplified. The one piece form makes policy assembly easier, and reduces errors. Schedule rating enables you to underwrite individual risks more profitably. "Idealized" rate recommendations help improve your book of business by describing existing hazards, and showing insureds how much they can save by complying with the recommendations. Replacement cost valuation reports can assist you in determining the proper coverage amount.

Farmowners

Coverages under the Farmowners Program are similar to those of the MSO Commercial Farm Program. The Farmowners' is designed for smaller family-owned farms. A number of enhancements are offered such as computer coverage, glass breakage to cabs of farm equipment, fire extinguisher recharge, and work interruption coverages. Personal liability coverage is also included.

Garage

The MSO Garage Program is designed for non-dealer risks such as repair or lube shops, and gas stations. Like the MSO BOP, it is a self-contained form - property, liability and garagekeepers' coverages are all included. Coverage enhancements include limited property coverage for employees' tools, liability coverage for customers' autos, and built-in garagekeepers. Owned autos may be written using the MSO Commercial Auto Program.

House of Worship

The House of Worship Program is patterned after our popular Businessowners. It is a self-contained, all-inclusive policy. The two-tiered rating system allows you to use a combined rate for property and liability on lower valued buildings. Building coverage is expanded to include building glass, stained glass and permanently installed items such as pews, altars and lecterns.

Special Contractors

MSO Special Contractors is designed to easily provide coverage for small artisan type contractors. Liability rates are "per worker," reducing the need for costly audits. Property and liability coverages may be written in a Businessowners type package, or liability may be written separately. Inland Marine coverage for tools and equipment may also be included.

Commercial Farm

The MSO Commercial Farm program is designed to provide coverage on a monoline or combination basis for commercial farm exposures. Commercial property and liability coverages are available for farm type structures and premises. Coverage is also available for livestock and equipment.

Commercial Inland Marine

The MSO Commercial Inland Marine program is compatible with all other MSO simplified commercial lines programs. The main coverage form is self-contained. Coverage may be written on a stand-alone basis, or as part of a package.

Umbrella

The MSO Umbrella Programs are designed to complement other MSO programs, as well as be used with other industry programs.

Personal Lines

Under the Personal Lines Program, covering Homeowners, Combination Dwelling, Mobilehomeowners and Inland Marine, all provisions are consolidated in the Common Provisions Form. Although each program has its own coverage and rating provisions, approximately 90% of the rules, rating and endorsement provisions are the same in the three major programs. The same causes of loss apply to Homeowners, Dwelling and Mobilehomeowners. The Inland Marine Program is consistent with the other programs whenever possible.