With the ISO Market Segments Program, you get virtually everything you need to offer specialized policies tailored to particular classes of commercial risks. Our ready-to-use program provides policy forms, rules, and loss costs to help you serve customers in a variety of high-potential market niches.
Enhancements common to most of the market segments include increased limits and additional coverages for:
The program provides a basic coverage limit for each of those categories — which may vary by type of risk — plus optional higher limits for many of them.
For each market segment, our program gives you a "wrap-around" endorsement that combines with one or more of our monoline coverage forms to make up the core of the policy. You can round out your offering with additional coverage forms from our commercial lines portfolio.
Specific property enhancements for this segment address pollutant cleanup and removal and tenant move-back expenses. Liability enhancements address heating or air conditioning loss reimbursement, sale and disposal legal liability, and tenants’ property legal liability. The program includes optional endorsements for loss or damage to tenants’ autos (legal liability) and fine arts.
The Market Segments Program for auto service risks helps you serve three major classes of business: Repair and paint shops, service stations, and storage garages and other public parking facilities.
Specific enhancements for this segment include coverage for employees' tools as well as above- and below-ground fuel tanks and fuel pumps. You can add coverage with optional endorsements for loss or damage to customers' automobiles (direct primary or legal-liability basis), customers' and lessors' property, and hired auto and nonowned auto liability.
The program provides coverage for loss or damage to customers' property accepted for laundering, dry cleaning, pressing, dyeing, altering, repairing, or other similar work. The program may specify insurance limits for customers' goods in transit or in storage or for fur garments.
Additional liability coverages include errors and omissions for failing to deliver customers' goods and improperly selling or disposing of customers' goods.
Help meet the unique insurance needs of businesses that sell flowers and ornamental plants with coverage for spoilage and computer fraud (worldwide). The program also offers liability coverage for delivery errors and omissions for items sold by the florist and for additional insureds, such as managers and controlling interests. There’s an optional endorsement for fine arts owned by or in the care of the insured.
The ISO Market Segments Program for hardware and home improvement stores includes coverage enhancements for brands and labels, lock replacement and installations. Additional liability coverages address errors and omissions for the delivery of items sold by the store and home improvement design.
In addition, the program includes merchandise withdrawal, with coverage for notifications, overtime, transportation, storage space, and disposal. You can also add optional endorsements covering extortion, loss or damage to customers' automobiles, and hired auto and nonowned auto liability.
Our market segments program for hotels, motels, and inns offers specialized coverage for six major classes of lodging facilities, separated by building height, ownership (lessor versus owner/occupant), and whether the property includes a pool or beach. The program provides coverage for computer fraud, loss or damage to guests' property, and food contamination and spoilage.
In addition, the program provides errors and omissions liability coverage for failure to provide facilities, goods, and services. And you can add an optional endorsement addressing fine arts, hired auto, and nonowned auto liability.
Special coverage enhancements include: Key and lock replacement, and property off-premises for the cost to replace keys and locks at a client's premises because of theft or loss of keys. The program also provides additional liability coverage to reimburse insureds for amounts they pay to clients for property damage resulting from the work they perform.
The ISO Market Segments Program for landscapers helps you serve the insurance needs of any business that qualifies for one or more of the following classifications in the ISO commercial lines class table: Landscape gardening, lawn-care services, tree pruning, dusting, spraying, repairing, trimming, or fumigating.
The program includes special coverages for employees' tools as well as contractors' installation coverage for materials, supplies, and fixtures intended for installation at job sites not owned, leased, or operated by the insured or at temporary storage locations.
Additional liability coverages and enhancements include errors and omissions for landscape design services.
Our market segments program for plumbing and HVAC contractors serves commercial and industrial plumbing; residential or domestic plumbing; dealers or distributors of heating, air conditioning, or combined heating and air conditioning systems or equipment; installation, servicing, or repair of heating, air conditioning, or combined heating and air conditioning systems or equipment; boiler inspection, installation, cleaning, or repair; and installation, servicing, or repair of fire-suppression systems.
Specific enhancements for this segment address employees' tools and contractors' installation coverage for materials, supplies, and fixtures installed at job sites not owned, leased, or operated by the business.
The program also provides additional liability coverage to reimburse insureds for amounts they pay to clients for property damage resulting from the work they perform.
The ISO Market Segments Program for restaurants provides enhanced property and liability coverages tailored to a wide range of restaurants, from smaller shops — for example, coffee shops and delis — to family-style restaurants to upscale fine-dining establishments. Specialized coverages include brands and labels, ordinance or law coverage for equipment, lock replacement because of theft or other loss of keys, food contamination, spoilage, and business income and extra expense.
The program also provides errors-and-omissions coverage for failure to deliver or mis-delivery of items. And the program addresses reimbursements to restaurants for expenses associated with the withdrawal, recall, inspection, repair, replacement, adjustment, removal, or disposal of items sold.
Self-storage facilities support an increasingly mobile population. To help you write coverage for this popular and growing business, the ISO Market Segments Program offers policy forms, rules, and loss costs for companies in the warehouses and mini-warehouses classification of the ISO Commercial Lines Class Table.
Enhanced liability coverages for self-storage facilities include the insured's liability for damage to customers' property at the facility and the insured's liability arising out of the sale, removal, or disposition of customers' property. You can also add optional endorsements covering loss or damage to customers' automobiles and hired auto and nonowned auto liability.
Our segments program for staffing firms helps you meet the insurance needs of employment agencies and organizations that supply workers at a charge to perform services for others. The program provides enhanced coverages addressing computer fraud, property off-premises, and loss or damage to clients' property resulting from theft committed by an identified employee of the staffing firm.
Our market segments program for supermarkets helps you meet the insurance needs of stores that sell primarily grocery products and occupy a total area of 3,000 square feet or more, with $500,000 or more in annual sales. Specialized coverages include brands and labels, ordinance or law coverage for equipment, lock replacement because of theft or other loss of keys, food contamination, spoilage, and business income and extra expense.
The program also addresses errors-and-omissions for failure to deliver or mis-delivery of items. And the program addresses reimbursements to restaurants for expenses associated with the withdrawal, recall, inspection, repair, replacement, adjustment, removal, or disposal of items sold.
With Mozart, you can easily research, create, and edit policy wordings, helping you gain efficiencies in time to market for both new products and coverage updates.
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