What it does
CG 21 57 excludes injury or damage arising out of advisory services or counseling with respect to issues such as mental health, crisis prevention, social services or drug and alcohol rehabilitation or similar subjects.
Who needs it
Counseling centers, rehabilitation programs, crisis hotlines, churches with pastoral counseling, and school counseling programs.
Key provisions and limits
- Like most ISO professional exclusions, it applies even when the claim alleges negligent supervision, hiring, employment, training or monitoring of others, if the occurrence or offense involved the excluded service.
Quoting and selling notes
- Pair with counselors or social services professional liability.
- When a professional exclusion is attached, review the professional liability policy for bodily injury and property damage coverage, defense outside limits and the retroactive date, so the two policies fit together without a gap.
