Mutual Service Office (MSO) was incorporated in 1944 by a group of New Jersey mutual insurers. Today MSO serves both mutual and stock companies in the northeastern United States. But MSO’s goal remains the same - to provide small to mid-sized insurers with an easier, more profitable way to underwrite risks.

The key is schedule rating. By devising specific rates on all buildings, regardless of size, MSO member companies benefit from rates that more accurately reflect the individual circumstances of the commercial risk they often write. MSO has proven over the years to be a welcomed alternative to the rigidly-defined rating classes used throughout the industry. With MSO, companies, agents, and policyholders all benefit from better rates for better risks.

MSO provides custom rate and statistical services on all property and casualty lines except personal auto and boiler/machinery. All MSO’s products and services are designed to be easy to use. Whether it's custom forms and manuals or streamlined coding requirements, MSO strives to simplify every aspect of underwriting a risk.

MSO’s success in providing useful market-oriented systems is the result of a carefully assembled team of insurance professionals. Experts from all disciplines are just a fax or phone call away to discuss problems, concerns and suggestions. Not only do MSO member companies have direct access to decision makers in specific areas such as insurance filings, data processing, statistical analysis, actuarial services and product development, members also have a direct line to top MSO executives.

Customer feedback is a key component in keeping MSO products and services up to date and effective. Whether revising an existing product or service, or introducing a new one, MSO consults users at every stage of development. This ensures MSO products and services reflect current market trends, as well as the industry's changing regulatory and legislative environment.