The landscapers form MS MS LS 01 11 02 is then attached to provide wrap-around coverage by modifying many of the provisions and coverages of the underlying forms.

Following is a description and discussion of the landscapers coverage form. Be advised there are two recent editions. The May 2002 edition has been revised; the November 2002 edition reflects changes made in the 2002 CP 00 10 04 02 and CP 10 30 04 02. This discussion is on the November 2002 edition.

For more information on the forms it modifies, 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
Eligibility
Changes to the commercial property form
Additional coverages
Coverage extensions
Additional condition
Changes to the causes of loss form
Changes to the CGL form
Definitions
Endorsement—mechanical breakdown

Introduction

The Insurance Services Office (ISO) has developed a form MS LS 01 to be used for businesses engaged in various aspects of landscaping: landscape gardening, lawn care services, and the like. MS LS 01 is an endorsement that modifies the CGL forms, the commercial property form, and the causes of loss—special form.  The provisions of these underlying forms apply to the risk except as otherwise provided in MS LS 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 LS 01 are base limits that can be increased through the use of a supplemental schedule, MS LS DS.

The common policy conditions form IL 00 17 11 98 and the commercial property conditions form CP 00 90 07 88 must be attached to all policies.