INTRODUCTION

The Mutual Service Office, Inc. (MSO) has created a distinctive approach to customizing its coverage forms. The policy includes several modifications called trigger endorsements, which are integrated into the form. These modifications are triggered only when the endorsement number associated with that modification is specified on the declarations.

Example: The following wording appears at the end of II B – Supplemental Coverages 2. Contractual Coverage:

· When MCA 501 appears as an endorsement on the Declarations, this supplement is applicable only to written contracts submitted to the insurance company within 60 days of signing.

· When MCA 502 appears as an endorsement on the Declarations, this supplement applies only to written contracts.

If MCA 502 is included in the declarations at the policy's issuance, any claim or lawsuit based only on an implied or oral contract will be denied.

This approach avoids confusion by keeping coverage changes within the policy, maintaining context, and eliminating the need for a separate endorsement.

Trigger endorsements are used selectively and differ depending on the policy.

The following trigger endorsements apply to MCA 010–Commercial Auto Coverage:

Number	Location in Policy	Description
MCA 501	Part II B – Supplement Coverages	Limits Contractual Supplemental Coverage to only those contracts in writing and provided to the insurance company within 60 days of execution.
MCA 502	Part II B – Supplement Coverages	Restricts Contractual Supplemental Coverage exclusively to contracts that are in writing.