The Mutual Service Office Inc. has created a business owners program for restaurant risks. The program has been approved in Maine, Maryland, New Jersey, and Pennsylvania. Coverage is written as an endorsement that may be used as an attachment to the standard BOP policy forms.
The restaurant program is in addition to the other BOP programs offered by MSO: Bed & Breakfasts, Condominium Associations (Residential and Commercial), Landlords and Home Business.
Property coverage enhancements in the MSO Restaurant BOP include increased basic limits for:
o Accounts Receivable
o Consequent Loss
o Off Premises Property
o Credit Card/Forgery/Counterfeit Money
o Debris Removal
o Employee Dishonesty
o Fire Expense Coverages
o Food Contamination
o Lock Replacement
o Outdoor Signs and Satellite Dishes
o Reward Payment
o Trees, Shrubs and Plants
o Valuable Papers
o Water Damage - Sewer/Drain Backup
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