What it does
IH 00 89 insures scientific and medical diagnostic equipment. It is filed with a 12 20 edition and matching declarations (IH DS 89). ISO's cyber incident exclusion (IH 99 33) refers to an Additional Coverage – Virus, Harmful Code Or Similar Instruction in this form, which the exclusion leaves in force. ISO publishes this form in its IH series of commercial inland marine forms. IH forms are used within the Commercial Inland Marine Coverage Part, together with the Commercial Inland Marine Conditions (CM 00 01) and the Common Policy Conditions.
Who needs it
Owners and lessees of MRI, CT and other imaging units, laboratory analyzers and research instruments, including mobile imaging units. Lessors often require the user to insure leased devices.
Quoting and selling notes
Ask for equipment schedules and values, mobile units, maintenance contracts, power protection and whether equipment breakdown is covered elsewhere. Imaging equipment losses often involve electrical or mechanical failure, which property and inland marine forms commonly exclude.
Before presenting it
ISO's IH forms are often adopted with carrier changes, and their wording differs from the filed CM forms. Obtain the carrier's specimen and walk the insured through covered property, property not covered, the exclusions, valuation, the deductible and any coinsurance or reporting condition, and match the limits to a current schedule of values.
