Eligible risks for the restaurants segment run the gamut of eating establishments, including smaller coffee shops and delis to family-style restaurants to fine-dining.

This treatment provides information on the restaurants coverage form, MS RS 01. 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
Changes to the causes of loss—special form
Changes to the CGL form
Definitions
Endorsements

Introduction

Endorsement MS RS 01 modifies the CGL form, the commercial property form, and the causes of loss – special form. The modifications tailor these forms to the needs of the restaurant risk. The endorsement adds property and crime coverages and modifies the premium audit section of the CGL form. Endorsements are available to add mechanical breakdown coverage, hired and non-owned auto, and legal liability coverage for damage to customers' cars. These endorsements are discussed later in this treatment.