What it does
CG 22 87 excludes injury or damage arising out of the rendering of or failure to render by any insured medical or nursing services (including dispensing drugs, medical supplies or appliances), any health or therapeutic service, and services for appearance or skin enhancement or personal grooming, along with related provisions in the form.
Who needs it
Adult day care programs, senior centers offering health services, and memory care day 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 professional liability and review abuse or molestation coverage.
Edition watch
The 12 25 edition is titled "Exclusion – Day Care Centers" (the 04 13 edition was "Exclusion – Adult Day Care Centers"). ISO's 12 25 multistate revision (filing GL-2024-OFR24) has been approved in most states with an effective date of April 1, 2027. Until a carrier adopts it, policies continue to use the earlier edition, so check the edition printed on the forms schedule of each quote and renewal. Read the 12 25 form for any change in the type of day care centers it addresses.
