Summary: The Insurance Services Office (ISO) has a form—part of the overall program designed for specialized market segments—to provide coverage for pet services, such as kennels, groomers, trainers, veterinarians, and veterinary hospitals. The bases of coverage are the commercial general liability form, the building and personal property coverage form, and the special causes of loss form. The pet services form, MS PT 01 07 13, is then attached to provide wrap-around coverage by modifying many of the provisions and coverages of the underlying forms.

For more information and analyses of the underlying coverage forms, see CGL Coverage Form—Coverage A; CGL Coverage Form—Coverage B; Medical Payments; General Provisions of the CGL; Building and Personal Property Coverage Form; and Causes of Loss.

Topics covered: Introduction Changes to the building and personal property form Additional coverages Coverage extensions Changes to the causes of loss form Changes to the CGL form Definitions Endorsements

Introduction

MS PT 01 is an endorsement that modifies the CGL form, the building and personal property coverage form, and the causes of loss—special form; the provisions of these forms apply to the risk except as otherwise provided under MS PT 01 07 13. The endorsement enhances the coverages provided by the standard forms by offering additional property coverages, some crime coverages, and changes to the general liability coverages.

Changes to Building and Personal Property Form

On MS PT 01, the property not covered paragraph relating to animals is replaced with the following clause: animals, unless owned by others and in the insured's care, custody, or control or owned by the named insured and held for sale.

Additional Coverages

The commercial property form offers several additional coverages. The MS PT 01 adds thirteen more coverages to this category.

Money and Securities. The form includes an additional coverage for money and securities used in the insured's business while at a bank or savings institution, within the insured's living quarters or the living quarters of partners or employees having use and custody of the property, at the described premises, or in transit between any of the listed places. The loss must result directly from theft, disappearance, or destruction. Losses resulting from accounting or arithmetical errors or omissions; due to surrendering or giving property in any exchange or purchase; or property contained in any money-operated device are not covered. The most the form pays is $5,000 for money and securities while in or on the described premises or within a bank or savings institution and $2,500 for money or securities anywhere else, as previously described.

Fire Extinguisher Systems Expense. This form pays for the cost of recharging or replacing—whichever is less—the fire extinguishers and extinguishing systems if they are discharged on or within 100 feet of the described premises. The language here has been changed from the earlier version of the form so that there is coverage if the extinguishers or extinguishing systems are discharged in or on the building, or within 100 feet of the building, or within 100 feet of the premises described in the declarations, whichever distance is greater. Pet services may have structures such as dog runs or other fenced outdoor areas for the animals that aren't buildings per se. This broadens coverage as well as clarifying what might have been confusing in earlier versions of the form.

Also covered is loss or damage to covered property as a result of an accidental discharge, but not if the system is discharged during installation or testing. The most that will be paid under this coverage is $5,000 in any one occurrence, with no deductible applying.

Reward Payment. The named insured will be reimbursed up to $5,000 for rewards paid to an eligible person for information leading to the arrest and conviction of any person committing a crime resulting in loss to covered property from a covered cause of loss. Up to $5,000 is also paid for a reward paid to an eligible person for the return of stolen property when the loss is caused by theft.

An eligible person is defined as “that person designated by a law enforcement agency as being the first to voluntarily provide the information leading to the arrest and conviction or return of the stolen covered property.” The following persons cannot be eligible persons: the named insured and family members; the named insured's employees and family members; an employee of a law enforcement agency; an employee of a business engaged in property protection; any person who had custody of the covered property at the time the theft was committed; or any person involved in the crime. And, no reward will be reimbursed unless and until the person committing the crime is convicted (no word on how appeals affect this requirement), or the covered property is returned.

Computer Fraud. The loss of money or securities and other property due to fraudulent transfers resulting directly from use of a computer is covered under this clause. The transfer must be from inside a building at the premises or from a bank or similar safe depository to a person or place outside those premises. Transferring funds into a different account at the same bank is not considered computer fraud. The most paid for any one loss is $25,000 (unless a different limit is chosen in the declarations).

Money Orders and Counterfeit Money. The insurer will pay for loss resulting directly from the named insured's having accepted in good faith money orders not paid upon presentation or counterfeit money that is acquired during the regular course of business. The most that will be paid for any loss under this additional coverage is $2,500 unless a different limit is shown in the declarations.

Forgery or Alteration. The insurer promises to pay for loss resulting from forgery (a defined term) or alteration of checks, drafts, promissory notes, or similar written promises to pay a sum certain in money. The most to be paid is $2,500 in any one occurrence, unless a different limit is shown in the declarations. This amount includes legal expenses for defense of the insured in case the insured is sued for refusing to pay the forged or altered instrument on the basis that it has been forged or altered.

Outdoor Signs. The insurer promises to pay for direct physical loss of or damage to all outdoor signs at the described premises owned by the named insured, or owned by others but in the care, custody, or control of the named insured. The most to be paid in any one occurrence is $5,000, unless a different limit for outdoor signs is shown in the declarations. The provision supersedes all other outdoor sign coverage references on the building and personal property form.

Employee Dishonesty. MS PT 01 will pay for direct loss of or damage to the named insured's business personal property, money, and securities resulting from dishonest acts committed by any of the named insured's employees. The employees must have the manifest intent to cause the named insured to sustain loss and to obtain financial benefit. The loss suffered by the insured will be paid up to $5,000 in any one occurrence. All loss or damage caused by one or more employees and involving a single act or series of related acts is considered one occurrence.

There are several limitations to this coverage. The form will not pay for loss or damage resulting from any dishonest or criminal act committed by the named insured, partners, members, officers, managers, directors, trustees, authorized representatives, or by anyone to whom the named insured entrusts the property that is taken or damaged. The endorsement will not pay for loss or damage the proof of which as to its existence or amount is based on an inventory computation or a profit or loss computation. The endorsement will not apply to loss or damage that the named insured sustains through acts not committed during the policy period, and the coverage will apply only for loss or damage discovered no later than one year from the end of the policy period. The limits of insurance for this type of coverage do not accumulate from policy period to policy period. And, this endorsement does not apply to loss caused by any employee after discovery by the named insured of any dishonest act committed by that employee before or after being hired by the named insured.

Ordinance Or Law—Equipment Coverage. The form promises to pay to repair or replace covered property as required by law when the loss is caused by a covered cause of loss. If a covered cause of loss occurs to covered refrigeration equipment, the cost to reclaim the refrigerant as required by law, the cost to retrofit the equipment to use non-CFC refrigerant as required by federal law, and the increased cost to recharge the system with non-CFC refrigerant are all covered. The terms of coverage apply separately to each piece of covered equipment.

If replacement cost coverage applies and the insured repairs or replaces the equipment, the insured will pay the lesser of the amount actually spent to repair the equipment, but not more than it would cost to replace the equipment with that of the same kind and quality or the limit of insurance. If the equipment is not repaired or replaced when the replacement cost coverage option applies, the insurer will pay the lesser of the actual cash value of the equipment at the time of loss or the limit of insurance.

The insurer will not pay for loss due to any ordinance or law that the insured was required to comply with before the loss even if the equipment was undamaged and that the insured failed to comply with. The insurer also will not pay under this additional coverage for the costs associated with the enforcement of or compliance with any ordinance or law that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to, or assess the effects of pollutants (in other words, no coverage for pollution clean up claims).

The coinsurance additional condition does not apply to this coverage.

Lock Replacement. The insurer will pay up to $5,000 per occurrence (less a $100 deductible) for the cost to repair or replace locks at the described premises due to theft or other loss of keys.

Artificially Generated Electrical Current. The form will pay for loss or damage to computers due to artificially generated electrical current if such loss or damage is caused by or results from an occurrence that took place within 1,000 feet of the described premises or interruption of electric power supply, power surge, blackout, or brownout if the cause of the occurrence took place within 1,000 feet of the described premises.

Spoilage Coverage. Losses of perishable stock, up to $5,000 (or a different limit shown in the declarations), caused by changes in temperature or humidity due to mechanical breakdown of refrigeration equipment or cooling and humidity control apparatus or equipment; contamination by a refrigerant; or power outage are covered by this additional coverage.

The following causes of loss that result in spoilage are excluded: earth movement, governmental action; nuclear hazard; war and military action; water; disconnection of refrigerating or cooling or humidity control systems from power source; deactivation of electrical power caused by the manipulation of any switch or other device used to control the flow of electrical power or current; inability of an electrical utility company or other power source to provide sufficient power due to lack of fuel or governmental order; inability of power source at the described premises to provide sufficient power due to lack of generating capacity to meet demand; and breaking of any glass that is a permanent part of any refrigerating or cooling or humidity control unit.

The amount of loss or damage must exceed the deductible in order for coverage to apply. The named insured must maintain a refrigeration maintenance or service agreement. Voluntary termination of such an agreement without notifying the insurer will result in suspension of this additional coverage.

Relocation of Animals. Up to $5,000 is available for expenses incurred to move and store animals away from the described premises to preserve them from damages following an off-premises or on-premises power failure or other utility services failure caused by a covered cause of loss. Under this coverage, the utility services exclusion on the special causes of loss form does not apply.

Coverage Extensions

MS PT 01 makes several changes to the coverage extensions section of the building and personal property coverage form, CP 00 10 10 12.

Newly Acquired or Constructed Property. The form replaces the commercial property policy's period of coverage provision of newly acquired or constructed property with a provision stating that coverage will end when the policy expires, thirty days after the named insured acquires the property or begins construction, the named insured reports values, and, with respect to computers, when specific insurance at the newly acquired premises is obtained—whichever comes first. Additional premium will be charged for values reported from the date the named insured acquires the property or begins construction.

Personal Effects and Property of Others. The business personal property insurance is extended to personal effects owned by the named insured, officers, partners, members, managers, and employees; it is also extended to personal property of others in the care, custody, or control of the named insured. The most that the insurer will pay is $5,000 in any one occurrence while the property is at each described premises.

Valuable Papers and Records (Other Than Electronic Data). The business personal property insurance is extended to apply to direct physical loss or damage to valuable papers and records that the named insured owns, or that are in the care, custody, or control of the named insured. Coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist, but not valuable papers and records that exist as electronic data. The loss or damage must be caused by the specified causes of loss as defined in the causes of loss—special form, or by collapse. The most that the insurer will pay under this extension is $10,000 in any one occurrence at each described premises; for valuable papers and records not at a described premises, the most that will be paid is $5,000. These amounts are additional insurance. The cost of blank material for reproducing the records, whether or not duplicates exist, and in the case where duplicates do exist, for the cost of labor to transcribe or copy the records, is covered as well, subject to the applicable limit of insurance. This is not additional insurance.

Property Off-Premises. The named insured may extend coverage to property while it is away from the described premises, under certain conditions. The property must be temporarily at a location that the named insured does not own, lease, or operate; or the property must be in storage at a location leased by the named insured; or the property must be at a fair, trade show, or exhibition. The extension also applies to computers in transit. The extension does not apply to property in or on a vehicle (except for computers) or to property in the care, custody, or control of the named insured's salespersons (unless the property is in such care at a fair, trade show, or exhibition). The most the insurer will pay for loss or damage is $5,000 in any one occurrence.

Outdoor Property. MS PT 01 will pay for loss or damage to fences and retaining walls that are not part of a building; the most that will be paid in any one occurrence is $15,000. The form will pay for loss or damage to outdoor radio, television, satellite, or other antennas; the most to be paid for this coverage extension is $3,000 in any one occurrence. Covered also are trees, shrubs, and plants other than stock (a defined term); the most paid here is $5,000 in any one occurrence, but not more than $500 for any one tree, shrub, or plant. The 2013 form now includes vegetated roofs with these items. This coverage for outdoor property is only for the following covered causes of loss: fire, lightning, explosion, riot or civil commotion, or aircraft. Newly added language states that the provisions of the Property Not Covered section do not apply to the property listed in this section. Included in this coverage is the cost of debris removal of plants, trees and shrubs which are the property of others, except when the insured is a tenant and such property is owned by the landlord of the described premises. So if a neighbor's tree falls across the dog run, damaging the fence, the removal of the tree limbs and branches is covered.

Employees' Tools. Insurance applicable to the named insured's business personal property may also be extended to tools owned by the named insured's employees located on the described premises. The insurer will pay up to $2,500 for any one occurrence (unless a different limit is indicated on the declarations); no more than $500 will be paid for tools owned by any one employee.

Accounts Receivable. Coverage may be extended to accounts receivable. The form will pay all amounts due from the named insured's customers that cannot be collected, interest charges, on any loan required to offset amounts that cannot be collected, necessary excess collection expenses, and other reasonable expenses incurred by the named insured to reestablish accounts receivable records. The payment is made due to direct physical loss or damage by any covered cause of loss to the accounts receivable records. The most that will be paid under this extension in any one occurrence is $10,000. For accounts receivable not at a described premises, the most the insurer will pay is $1,500 in any one occurrence.

Changes to the Causes of Loss Form

MS PT 01 modifies the causes of loss—special form, CP 10 30. Certain changes are made to particular parts of form CP 10 30 10 12.

The ordinance or law exclusion does not apply to the ordinance or law—equipment coverage additional coverage found in MS PT 01.

The mechanical breakdown exclusion in the exclusions section of CP 10 30 does not apply to loss or damage to computers.

The paragraphs referencing the excluded causes of loss to personal property in the exclusions section are replaced by the following:

We will not pay for loss or damage caused by or resulting from the following causes of loss to personal property:

1. Dampness or dryness of atmosphere, or changes in or extremes of temperature, unless such conditions result from physical damage caused by a Covered Cause of Loss to an air conditioning unit or system);

2. Marring or scratching.

But, if an excluded cause of loss that is listed in paragraph 1. or 2. above results in a “specified cause of loss” or building glass breakage, we will pay for loss or damage or damage caused by that “specified cause of loss” or building glass breakage.

The following four exclusions are added to the exclusions section, but apply only to coverage for computers. These exclusions apply regardless of any other cause or event that contributes concurrently or in any sequence to the loss.

Errors or Omissions. The endorsement does not apply to loss or damage caused by errors or omissions in processing, recording, or storing electronic data on computers. However, the insurer will pay for direct loss or damage caused by resulting fire or explosion if these causes of loss would be covered by the endorsement.

Electrical Disturbance. Loss due to electrical or magnetic injury, disturbance, or erasure of electronic recordings is not covered. Direct loss or damage caused by lightning is covered.

Computer-Related Losses. The inability to correctly recognize, process, distinguish, interpret, or accept one or more dates or times is another cause of loss that MS PT 01 does not cover. This relates to failure, malfunction, or inadequacy of the following: computer hardware, application software, operating systems and related software, networks, microprocessors (computer chips) that are not part of any computer system, and any other computerized or electronic equipment or components. The failure, malfunction, or inadequacy of any other products, any services, data, or functions that directly or indirectly use or rely upon the items listed are also excluded.

Computer Advice or Consultation. The form will not respond to a loss or damage caused by any advice, consultation, design, evaluation, inspection, maintenance, repair, replacement, or supervision provided or done by or for the named insured in order to rectify or test for any potential or actual problems described in the previously mentioned computer-related loss clause.

If an excluded cause of loss as described in these four clauses results in a specified cause of loss (a defined term on CP 10 30), or in elevator collision resulting from mechanical breakdown, the insurer will pay for the loss or damage caused by these things.

The exclusions section of CP 10 does not apply to the coverage for employee dishonesty that this endorsement provides, except for the governmental action, nuclear hazard, and war and military action exclusions.

The exclusions section and the limitations section do not apply to the coverage for outdoor signs that MS PT 01 provides. There are exceptions. The following exclusions do apply: governmental action, nuclear hazard; war and military action; wear and tear; rust or other corrosion, decay, deterioration, hidden or latent defect in the property that causes it to destroy itself; and mechanical breakdown, including rupture or bursting caused by centrifugal force.

As for the coverage for valuable papers and accounts receivable that MS PT 01 offers, the endorsement notes that the exclusions section of CP 10 30 does not apply except for certain exclusions. The exclusions that apply to valuable papers and accounts receivable coverage are as follows: governmental action; nuclear hazard; war and military action; computer-related losses; computer advice or consultation; continuous or repeated seepage or leakage of water; water and other liquids that flow from plumbing or air conditioning equipment; weather conditions; acts or decisions of any group, person, organization, or governmental body; and faulty, inadequate, or defective design, workmanship, maintenance, or materials used in repair or construction of part or all of any property on or off the described premises.

The exclusions that apply just to accounts receivable coverage are as follows: loss or damage caused by or resulting from alteration, falsification or destruction of records of accounts receivable done to conceal the wrongful giving or taking of money, securities, or other property; loss or damage caused by or resulting from bookkeeping, accounting or billing errors; any loss or damage that requires any audit of records or any inventory computation to prove its factual existence.

Changes to the CGL Form

The MS PT 01 changes several sections of and adds sections to the CGL form, CG 00 01 04 13.

Veterinary Expenses. An insuring agreement is added to the CGL that promises to pay veterinary expenses resulting from an accident to an animal on premises the named insured owns or rents, on ways next to premises owned or rented by the named insured, or due to pet grooming, training, or boarding operations, provided that the accident takes place in the coverage territory, during the policy period, and the expenses are incurred and reported within six months of the accident. Regardless of fault, the form provides payments for necessary medical, surgical, x-ray, and dental veterinary services and necessary veterinary hospital services, including pet cremation.

Exclusions. The MS PT 01 excludes veterinary expenses for illness, injury, or disease to any animal the named insured holds for sale, owns, or is sold by the named insured. Pre-existing injuries or diseases prior to the accident are excluded; loss or damage for which coverage may be available under the commercial property coverage part is excluded; illness, injury, or disease to an animal treated by the named insured in his capacity as a veterinarian is excluded.

Limits of Insurance. The most the MS PT 01 pays for the sum of all veterinary expenses is $1,000 for any one animal and $5,000 in any annual period.

Who Is an Insured. The form adds the following to the CGL's who is an insured provision:

No person is an insured for “bodily injury” or “property damage” arising out of his or her providing or failing to provide professional veterinarian services.

Definitions

There are ten definitions on the MS PT 01.

Computer. Computer means the named insured's programmable electronic equipment that is used to store, retrieve, and process electronic data. It includes their component parts and dedicated air conditioning, fire suppression equipment, and electrical equipment used exclusively in the named insured's computer operations; and associated peripheral equipment that provides communication, including input and output functions such as printing or auxiliary functions such as electronic data transmission. It does not include electronic data and media.

Counterfeit money. Counterfeit money is an imitation of money that is intended to deceive and to be taken as genuine.

Employee. Employee means any natural person while in the named insured's service or for thirty days after termination of service who the named insured compensates directly by salary, wages, or commissions; and who the named insured has the right to direct and control while performing services for the named insured; or any natural person who is furnished temporarily to the named insured to substitute for a permanent employee, as defined, who is on leave—or to meet seasonal or short term work load conditions—while that person is subject to your direction and control and performing services for you.

Forgery. Forgery is the signing of the name of another person or organization with intent to deceive.

Manager. Manager means a person serving in a directorial capacity for a limited liability company.

Member. A member is an owner of a limited liability company represented by its membership interest who also may serve as a manager.

Money. Money is currency, coins, and bank notes in current use and having a face value; and travelers checks, register checks, and money orders held for sale to the public.

Occurrence. As applicable to money and securities only, an occurrence is an individual act, the combined total of all separate acts whether related or not, and a series of acts whether related or not committed by a person acting alone or in collusion with others, or not committed by any person, during the policy period. With respects to computer fraud and money orders and counterfeit money only, and occurrence is an individual act, the combined total of all separate acts whether related or not, and a series of acts whether related or not committed by a person acting alone or in collusion with others, or not committed by any person, during the policy period. Regarding coverage for forgery or alteration only, an occurrence is an individual act, the combined total of all separate acts whether related or not, and a series of acts whether related or not committed by a person acting alone or in collusion with others, involving one or more instruments, during the policy period. Applying to employee dishonesty coverage, an occurrence is an individual act, the combined total of all separate acts whether related or not, and a series of acts whether related or not committed by an “employee” acting alone or in collusion with others, or not committed by any person, during the policy period.

Perishable Stock. Perishable stock is pet food and food for other animals maintained under controlled conditions for its preservation and susceptible to loss or damage if the controlled conditions change.

Securities. Securities means negotiable and nonnegotiable instruments or contracts representing either money or other property and includes redeemed coupons, tokens, tickets, revenue, and other stamps (whether represented by actual stamps or unused value in a meter) in current use; and evidences of debt issued in connection with credit or charge cards, which cards are not issued by the named insured.

Endorsements

There are several endorsements that are available for use with the pet services market segments program. These endorsements are used to modify the various coverage parts in the program, usually to add additional coverages for the insured.

Equipment Breakdown Protection Coverage. This endorsement, MS PT 02 02 08, modifies the commercial property coverage part and pays for direct loss of or damage to covered property at the premises described in the declarations caused by or resulting from a mechanical breakdown or electrical failure to pressure, mechanical, or electrical machinery and equipment. The exclusions found in the causes of loss—special form apply except for the following: the artificially generated electrical current exclusion; the mechanical breakdown exclusion; and the exclusion relating to explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by the named insured, or operated under the control of the named insured.

Mechanical breakdown or electrical failure to pressure, mechanical, or electrical machinery and equipment is defined in this endorsement to not mean the following: malfunction, including but not limited to adjustment, alignment, calibration, cleaning or modification; leakage at any valve, fitting, shaft seal, gland packing, joint or connection; damage to any vacuum tube, gas tube, or brush; or the functioning of any safety or protective device.

The provisions of this coverage shall not increase any amount or limit of insurance that is otherwise provided in this policy.

Loss or Damage to Animals Being Boarded. MS PT 05 07 13 provides legal liability coverage to the insured for loss or damage to animals being boarded. The endorsement provides payment for all sums the named insured legally must pay as damages for direct physical loss of or damage to animals that are in the care, custody, or control of the named insured. These animals must be boarded at the premises described in the declarations or while temporarily away from such premises. The covered cause of loss is any loss or damage not specifically excluded in this endorsement. The exclusions apply to loss or damage to animals arising out of: intentional or criminal acts by the named insured, employees, or any other person to whom the named insured entrusts the animals; any professional veterinary services performed by an insured; the continuation of any illness, injury, or disease that existed in an animal prior to being boarded by the named insured; or theft. Loss or damage to animals owned by the named insured is also excluded.

Regardless of the number of animals left in the care, custody or control of the named insured, the most the insurer will pay for all loss or damage in all occurrences is the damage to animals aggregate limit of insurance shown in the declarations. The endorsement also has an each occurrence limit and an each animal limit of insurance.

Pet Groomers Professional Liability. This endorsement, MS PT 06 02 08, modifies the general liability coverage part by adding coverage for bodily injury, property damage, personal and advertising injury, or other injury arising out of the rendering of or failure to render professional services in connection with the insured's pet grooming operations.

The bodily injury and property damage liability exclusions in the general liability coverage form are modified by this endorsement. The contractual liability exclusion is replaced by the following: bodily injury, property damage, or other injury for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement; this exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. Also, the paragraph in the damage to property exclusion referring to personal property in the care, custody or control of the insured does not apply. And, the damage to your work exclusion does not apply with respect to animals handled in connection with the insured's pet grooming operations. The following exclusions are added to the general liability policy: bodily injury, property damage, or other injury arising out of a criminal act; any professional veterinary services performed by an insured; and all injury or damage for which coverage is provided under the commercial property coverage part (such as the legal liability coverage provided by MS PT 05).

The personal and advertising injury exclusions on the general liability policy are also amended by MS PT 06. The criminal acts exclusion is replaced by the following: personal and advertising injury or other injury arising out of a criminal act committed by the insured or at the direction of the insured. And, the contractual liability exclusion is replaced by the following: personal and advertising injury or other injury for which the insured has assumed liability in a contract or agreement; this exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.

For the coverage provided by this endorsement, the definition of occurrence is amended to include any act or omission arising out of the rendering of or failure to render professional services in connection with the insured's pet grooming operations.

Pet Trainers Professional Liability. MS PT 07 02 08 mirrors MS PT 06 for the most part except, of course, that it deals with pet training as opposed to pet grooming. The coverage provided is for bodily injury, property damage, personal and advertising injury, or other injury arising out of the rendering of or failure to render professional services in connection with the insured's pet training operations. The exclusions on the general liability policy are modified as noted under endorsement MS PT 06.

Suspension/Reinstatement of Coverage. This endorsement, MS PT 03 02 08 modifies insurance provided under the equipment breakdown protection coverage. If suspension is indicated in this endorsement, all coverage has been suspended on the effective date for the covered property described in the schedule and located at the premises shown in the schedule. If reinstatement is indicated in the schedule, all coverage is reinstated on the effective date for the covered property described in the schedule and located at the premises shown in the schedule.

Veterinarians Professional Liability. MS PT 04 02 08 modifies the insurance provided by the commercial general liability coverage form. The endorsement provides coverage for bodily injury, property damage, personal and advertising injury, or other injury arising out of the rendering of or failure to render professional veterinary services. The endorsement does not define professional veterinary services (thereby eventually leaving it up to courts to decide whether the services provided by the insured attain professional status).

Supplemental Schedule. This schedule, MS PT DS 07 13, may be used in conjunction with the commercial property coverage part and the commercial general liability coverage part. The endorsement provides changes in limits for each coverage for which an ″X″ is shown in the relevant box in the schedule.