MSO, Inc. was founded in 1944 as The Mutual Service Office to offer property inspection and rate development services to New Jersey insurers. Over the years, MSO has grown from a single state property rating bureau to offer programs and services in all 50 states for virtually all lines of property and casualty insurance. MSO’s personalized services include development of loss costs, rates, rules and forms, property and liability inspections and audits, as well as other actuarial and state filing services.