MSO Umbrella Program

MSO was the first service bureau to introduce a standardized umbrella program for personal lines, commercial lines and farms. MSO offers a “true” umbrella, with a self-insured retention for exposures not covered under any primary policy. The MSO Commercial Umbrella also offers “follow form” endorsements, which change the coverage from an umbrella to a straight excess liability format.

The MSO Umbrella Program can be written as an endorsement to another liability policy or on a stand-alone basis. Our Umbrella programs are designed to be easily customized to fit with non-MSO underlying programs. Many options that are available only by endorsement in other excess programs are built into the MSO umbrella programs.