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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.

Eligible risks for the auto services segment include: repair shops; service stations; and storage garages and other public parking places. The ISO commercial lines manual (CLM) lists the following classifications as eligible for this program:

a. Automobile Quick Lubrication Services b. Automobile Repair or Service Shops c. Automobile Repair Shops—Self-Service d. Automobile Rustproofing e. Automobile Storage f. Car Washes—Self-Service g. Car Washes—Other Than Self-Service

h. Convenience Food/Gasoline Stores—Full Service i. Convenience Food/Gasoline Stores—Self-Service Convenience j. Food/Gasoline Stores—Full- and Self-Service Combined

k. Gasoline Stations—Full-Service l. Gasoline Stations—Self-Service m. Gasoline Stations—Self- and Full-Service Combined n. Parking—Public—Open Air o. Parking—Public—Not Open Air

The following are not eligible for this program: automobile, motor home, mobile home, trailer, and motorcycle dealers.

This treatment provides information on the auto service risks coverage form, MS AS 01 04 06 . 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: 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 – special formChange to the CGL form – premium auditDefinitions Endorsements


Endorsement MS AS 01 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 auto service risk. The endorsement adds property and crime coverages and modifies the premium audit section of the CGL form. Endorsements are also available to add legal liability coverage for customers’ cars; direct damage coverage for customers’ cars; hired and non-owned auto coverage; mechanical breakdown coverage.

Changes to the Commercial Property Form

The commercial property form (CP 00 10 04 02 ) covers the building and business personal property of the insured and property of others that the insured has in his care. Endorsement MS AS 01 adds fuel storage tanks and their electrical equipment to the coverage or building. Such tanks may be above or below ground.

The CP 00 10 specifies that “underground pipes, flues, or drains” are property not covered. However, the AS 01 removes that provision as it pertains to the new items of covered building property. While underground pipes, like plumbing, that serve the building are still not covered, those pipes that pertain to and connect fuel tanks on the premises are covered.

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