Who Are We?
MSO was incorporated in 1944 by a group of New Jersey mutual
insurers. Today we serve both mutual and stock companies in the northeastern
United States. But our goal remains the same - to provide small to mid-sized
insurers with an easier, more profitable way to underwrite risks.
The key is schedule rating. By devising specific rates
on all buildings, regardless of size, MSO member companies benefit from
rates that more accurately reflect the individual circumstances of the commercial
risk they often write. MSO has proven over the years to be a welcomed alternative
to the rigidly-defined rating classes used throughout the industry. Because
with MSO, companies, agents, and policyholders all benefit from better rates
for better risks.
MSO provides custom rate and statistical services on all
property and casualty lines except personal auto and boiler/machinery. All
our products and services are designed to be easy to use. Whether it's our
custom forms and manuals or streamlined coding requirements, MSO strives
to simplify every aspect of underwriting a risk.
Our success in providing useful market-oriented systems
is the result of a carefully assembled team of insurance professionals.
Experts from all disciplines are just a fax or phone call away to discuss
problems, concerns and suggestions. Not only do our member companies have
direct access to decision makers in specific areas such as insurance filings,
data processing, statistical analysis, actuarial services and product development,
members also have a direct line to top MSO executives.
Customer feedback is a key component in keeping our products
and services up to date and effective. Whether we're revising an existing
product or service, or introducing a new one, we consult MSO users at every
stage of development. This ensures MSO products and services reflect current
market trends, as well as the industry's changing regulatory and legislative
environment. | 
