What it does
IL 09 10 is a notice, not a coverage change. It tells Pennsylvania policyholders that an insurance company, its agents, employees or service contractors may provide services to reduce the likelihood of injury, death or loss, such as surveys, consultation, advice or inspections, in connection with applying for, issuing, renewing or continuing a policy.
It explains that Pennsylvania's Insurance Consultation Services Exemption Act provides that the insurer and those acting for it are not liable for damages from injury, death or loss caused by furnishing, or failing to furnish, these services. The exemption does not apply:
- If the injury, death or loss occurred during the actual performance of the services and was caused by the insurer's or its representatives' negligence.
- To consultation services required under a written service contract not related to a policy.
- If the acts or omissions are judicially determined to be a crime, actual malice or gross negligence.
The form's instruction calls for attaching it to all new and renewal certificates insuring Pennsylvania risks.
