Eligible risks for the supermarkets segment include stores, a majority of whose sales are grocery products, total annual receipts (including concessionaires” receipts) of $500,000 or more and total area of 3,000 square feet or more.

This treatment provides information on the supermarkets coverage form, MS SM 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 SM 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 supermarket risk. The endorsement adds property and crime coverages and modifies the premium audit section of the CGL form. An endorsement is also available to add mechanical breakdown coverage. This endorsement is discussed later in this treatment. ISO's promotional material says that this program is “designed for stores that sell mostly grocery products and occupy a total area of 3,000 square feet or more, with $500,000 or more in annual sales.”