The Mutual Service Office Inc. (MSO) has announced that its house of worship program has been approved in the states of Maine, New Hampshire, Rhode Island and Vermont. The MSO house of worship program is patterned after the popular MSO business owners. It is a self-contained package, including property and liability coverages.

The program includes:

• Two-tiered rating system. For lower valued buildings, there is a simplified composite rate, and higher valued buildings are specifically rated, with the rate tailored to each building's unique characteristics
• Automatic building code/law coverage
• Expanded building definition includes building glass, stained glass and permanently installed items usual to a house of worship such as altars, lecterns and pews
• Double coverage extension for money and securities during certain holidays
• Extended definition of insured includes volunteer workers
• Coverage options include: Pastoral counseling professional, D&O, day care/nursery/preschool excess medical payments and donated vehicles
• Automatic coverage for outdoor statuary/crosses/tombstones.

MSO house of worship program is also available in Delaware, Maryland, New Jersey and Pennsylvania. The program will be filed in additional states shortly.