What it does
CG 21 59 excludes injury or damage arising out of medical or diagnostic testing, techniques or procedures used for the detection, diagnosis or treatment of any sickness, disease, condition or injury, or to evaluate a patient's response to treatment or medication, and the reporting of or reliance upon the results.
Who needs it
Clinical and reference labs, imaging centers, drug testing and genetic testing companies.
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 laboratory 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.
