Topics covered:

Introduction

Changes to the commercial property form

Additional coverages

Coverage extensions

Changes to the causes of loss form

Definitions

Endorsements

Introduction

MS PS 01 01 06 is an endorsement that modifies the commercial general liability coverage part, the commercial property coverage part—building and personal property coverage form, and the commercial property coverage part—causes of loss—special form. The provisions of these policies apply to the insured risk except as otherwise provided in MS PS 01. This endorsement applies only if the coverage forms and coverage parts are all included in the policy.

MS PS 01 enhances the coverage provided by the standard coverage forms by offering additional property coverages, some crime coverages, and some inland marine coverages. The limits of insurance offered by MS PS 01 are base limits that can be increased through the use of a supplemental schedule. This personal care services program also offers equipment breakdown protection coverage, hired auto and nonowned auto liability insurance, and fine arts coverage.