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ISO Market Segments Program

Summary: 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.

The Staffing Firms Market Segments Program provides coverage for all buildings and personal property and commercial general liability insurance. Eligible risks for the Staffing Firms segment include employment agencies and organizations that furnish workers for a fee to perform work for others.

This article provides information on the Staffing Firms coverage form, MS ST 01 06 05 . The endorsement modifies the CGL forms, the Building and Personal Property Coverage form, and the Causes of Loss—Special form. For more information on these policies, 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 formChanges to the causes of loss—special formDefinitions Endorsements


Endorsement MS ST 01 06 05 modifies the CGL form, the Commercial Property form, and the Causes of Loss—Special form. The modifications tailor these forms to the needs of the staffing firms risk. Endorsements are also available to add mechanical breakdown coverage and hired and nonowned auto liability coverage.

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