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The Mutual Service Office (MSO) is a national service provider for mutual and stock companies, providing statistical reporting, product development, forms, filings, actuarial and other services. This discussion focuses on the Commercial Auto Form MCA 010 11 14 for Pennsylvania. MSO has advised us that their Pennsylvania forms are the best to use for standard coverage discussions.

The form provides liability and physical damage coverage for commercial auto exposures. Vehicles are designated by symbols, and defined terms are found at the end of the policy pages. A separate form, MCA 012 11 14 Commercial Auto Physical Damage Coverage Form is available as well and is discussed in a separate article. Because of the depth of analysis, we are breaking the analysis into segments. This is part 4, covering Part III A – Main Physical Damage Coverages, supplemental coverages, exclusions, limitations and special physical damage coverages.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

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