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ISO Market Segments Program

Summary: The Insurance Services Office (ISO) has developed 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 02 08 , 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 ; [IDL:CGL Coverage Form—Coverage B] ; Medical Payments ; General Provisions of the CGL ; Building and Personal Property Coverage Form ; and Causes of Loss .

Topics covered:


Changes to the building and personal property form

Additional coverages

Coverage extensions

Changes to the causes of loss form

Changes to the CGL form




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 02 08 . 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 the MS PT 01, the property not covered paragraph relating to animals is replaced with the following: animals, unless owned by others and in the insured’s care, custody, or control or owned by the named insured and held for sale.

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