Form MS SF 01 is used to insure self-storage facilities. It modifies coverage under the commercial general liability form (CGL), the building and personal property coverage form (CP 00 10 04 02), and the causes of loss special form (CP 10 30 04 02). Form MS SF 01 contains broadened coverages as well as additional coverages not found in the basic forms. Mechanical breakdown (boiler and machinery) coverage, loss or damage to customers" autos, and hired auto and non-owned auto liability coverage may be added by endorsement.

This discussion gives highlights of the self-storage facilities coverage form.

Topics covered: Introduction Eligibility Changes to the commercial property form Additional coverages Coverage extensions Changes to the causes of loss form Changes to the CGL form Definitions Endorsements to the MS SF 01 Self-storage facilities supplemental schedule

Introduction

MS SF 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 SF 01. The endorsement enhances the coverages provided by the standard forms by offering additional property coverages, some crime coverages, and coverages that apply only to a self-storage operation. The limits of insurance offered by MS SF 01 are base limits that can be increased through the use of a supplemental schedule, MS SF DS (see below). Coverage for hired and nonowned auto liability, mechanical breakdown (boiler and machinery), and loss or damage to customers" autos may be added by endorsement.

Common policy conditions form IL 00 17 11 98 and commercial property conditions CP 00 90 07 88 must be attached to forms CP 00 10, CP 10 30, and MS SF 01.

For additional information on the policies that are modified by this endorsement, 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.