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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 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 discusses the plumbing and air conditioning contractors coverage form, MS PC 01 10 06 . This form modifies the CGL forms, the building and personal property coverage form, and the cause of loss—special form. These policies are analyzed in CGL Coverage Form–Coverage A ; see [IDL: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 Additional coveragesCoverage extensionsChanges to the cause of loss formChanges to the CGL coverage partDefinitions Endorsements


MS PC 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 PC 01. The endorsement enhances the coverages provided by the standard property form by offering additional coverages and coverage extensions to the commercial property form. MS PC 01 amends the exclusions section of the causes of loss form. And, as for the CGL forms, MS PC 01 adds an insuring agreement pertaining to coverage for property damage claims directly arising from the named insured’s work for a client; some definitions are also added.

The plumbing and HVAC program also offers mechanical breakdown coverage through the use of an endorsement, and provides a supplemental schedule to allow the insured to choose the coverage he needs and the limit of insurance he wants for his exposures.

Additional Coverages

The commercial property form offers the insured up to $1,000 for liability for fire department service changes. MS PC 01 increases this amount to $5,000. The other provisions of the fire department service charge coverage in the commercial property form are not addressed in MS PC 01.

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