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ISO Market Segments Program

Summary: The Insurance Services Office (ISO) has developed a market segments program providing specialized coverages for certain specialty insurance markets. This program offers “wrap-around endorsements” that are used to enhance the coverages provided by standard coverage forms, like the commercial property and general liability forms.

This article provides information on the hardware and home improvement stores coverage form, MS HI 01 08 04 . 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 [IDL: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 formAdditional coveragesCoverage extensionsChanges to the causes of loss formChanges to the CGL formDefinitions Endorsements


MS HI 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 under MS HI 01. The endorsement enhances the coverages provided by the standard forms by offering additional property coverages, some crime coverages, and home improvement design and delivery errors and omissions coverage.

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