1. Forms
2. PR
3. PR-00-05

What the form is

The PR 00 05 Allied Health Care Providers Professional Liability Coverage Form is an insurance policy form developed by ISO that provides professional liability coverage on an occurrence basis. This means the policy responds to injuries or damages that occur during the policy period, even if the claim is reported after the policy has expired. Its primary purpose is to cover allied healthcare professionals for liability arising from rendering or failing to render professional services. The form outlines the insuring agreements, exclusions, conditions, and limits of insurance applicable to this coverage.

Classes of business it applies to

This form is designed for a broad range of licensed healthcare providers who are not physicians, surgeons, or dentists (who are typically covered under forms like PR 00 01). Examples of professionals and entities that would use this form include, but are not limited to:

• Nurses (Registered Nurses, Licensed Practical Nurses, Nurse Practitioners)
• Paramedics and Emergency Medical Technicians (EMTs)
• Pathologists and Radiologists
• Physical Therapists and Occupational Therapists
• Dental Hygienists
• Chiropractors
• Optometrists (though ISO also has specific forms for Optometrists, this can be used)
• Veterinarians (similarly, specific forms exist but this could apply)
• Diagnostic testing laboratories
• Blood banks

The form can apply to individuals, partnerships, limited liability companies (LLCs), associations, or corporations providing these allied healthcare services.

Special considerations

Key considerations for the PR 00 05 include:

• Occurrence Basis: Unlike claims-made forms (such as its counterpart, PR 00 06 Allied Health Care Providers Professional Liability Coverage Form - Claims-Made), this form covers incidents happening during the policy period, regardless of when the claim is filed. This can provide long-term certainty for the insured regarding past practice periods.
• Scope of "Licensed Health Care Provider": The definition of who qualifies as a "licensed health care provider" is crucial and differentiates this form from physician-specific policies. It's intended for those professionals providing services ancillary to or in support of medical doctors.
• Comparison to PR 00 01: The structure and much of the language in PR 00 05 closely mirror the Physicians, Surgeons, and Dentists Professional Liability Coverage Form (PR 00 01). However, the specific references to the insured's profession are adjusted accordingly.

Key information for agents and underwriters

Agents and underwriters should note the following:

• Risk Assessment: The diverse range of professions covered under this form means that risk assessment must be specific to the particular type of allied healthcare service being provided. The scope of practice, level of autonomy, and potential for patient injury will vary significantly between, for example, a paramedic and a laboratory technician.
• Policy Language Familiarity: Given its similarity to PR 00 01, professionals familiar with that form will find the PR 00 05 easy to understand. However, careful attention must be paid to the definitions and any endorsements that may modify coverage for specific professions.
• Coverage A and Coverage B: Like PR 00 01, this form typically includes Coverage A for individual professional liability and Coverage B for group professional liability (e.g., for a "business entity incident").
• Exclusions and Conditions: The exclusions, 'who is an insured' clauses, supplementary payments, limits of insurance, and conditions sections are largely the same as those found in PR 00 01. Understanding these common provisions is essential for proper coverage interpretation and placement.