The hotel, motel, and inn program applies to six major classes of hotel/motel business: hotels, motels, and inns with pools or beaches and less than four stories high, and those with four stories and higher; hotels, motels, and inns without pools or beaches and less than four stories high, and those with four stories and higher; and lessor's risk only hotels, motels, and inns and less than four stories high, and those with four stories and higher.

This article provides information on the hotels, motels, and inns coverage form, MS HM 01 11 02. The endorsement modifies the CGL forms, the building and personal property coverage form, and the causes of loss—special form. These policies are analyzed in the following pages: see CGL Coverage Form—Coverage A; see CGL Coverage Form—Coverage B; see Medical Payments; see General Provisions of the CGL; see Building and Personal Property Coverage Form; and see Causes of Loss.

Topics covered:

Introduction

Changes to the commercial property form

Additional coverages

Coverage extensions

Loss conditions—valuation

Additional conditions

Changes to the causes of loss form

Changes to the CGL form

Definitions

Endorsements

Introduction

MS HM 01 is an endorsement that modifies the CGL forms, the commercial property form, and the causes of loss—special form; the provisions of these forms apply to the risk except as otherwise provided in MS HM 01. The endorsement enhances the coverages provided by the standard forms by offering additional property coverages, some crime coverages, and errors and omissions coverage. The limits of insurance offered by MS HM 01 are base limits that can be increased through the use of a supplemental schedule, MS HM DS. There is also insurance offered for hired and nonowned auto liability, for mechanical breakdown (boiler and machinery), and for extortion perpetrated against the insured.