The Mutual Service Office Inc. (MSO) introduces its Bed and Breakfast Businessowners policy, and it is approved for use in Maine, New Jersey and Pennsylvania.The Bed and Breakfast (B&B) filing is pending in Delaware, Maryland, New Hampshire and Vermont.

The B&B follows the format of the standard MSO BOP policy, plus specialty coverages designed to meet the unique needs of the B&B insured. The MSO B&B BOP combines property and liability provisions and conditions in one form. A specific Declarations Supplement shows the coverage enhancements and dollar sublimits.

Highlights of the flexible MSO B&B Businessowners policy include:

o "All Risk" replacement cost coverage on buildings and business personal property

o Loss of income on an actual loss sustained basis for up to one year including a 90-day restoration period extension

o Coverage enhancements for food contamination, guests' property and guests' relocation expenses

o Easily customizable declarations supplement showing coverage limits to help agents market to clients

o True exclusions, with exceptions shown as supplemental coverages, to help avoid confusion

o A streamlined rating structure that enables agents to rate a policy in minutes

In addition, if the owner lives on premises:

o Coverage for household contents; replacement cost; on and off premises

o Additional living expense

o Comprehensive personal liability

Special Reports /

MSO introduces BOP for bed & breakfasts

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