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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 the final section part 5, covering Common Exclusions Parts II and III.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Managing Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over twenty-five years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund, and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide. The publications Christine has written or edited include Personal Lines Unlocked: The Key to Personal Lines Underwriting, Personal Lines Endorsements Coverage Guide, Commercial Flood Insurance Coverage Guide, Personal Flood Insurance Coverage Guide, Homeowners Personal Lines Coverage Guide 5th Edition, Personal Umbrella Coverage Guide 2nd Edition, and Condominium Coverage Guide 2nd Edition, all published by the National Underwriter Company. Christine regularly writes for Claims Magazine and National Underwriter Magazine. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter. Christine graduated cum laude from Towson University, Maryland, with a degree in Sociology/Psychology with a concentration in Gerontology.

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