What it does
PR 20 00 makes the named insured's employees additional insureds under the physicians, surgeons and dentists professional liability coverage form, so staff named in a malpractice suit are covered on the terms of the endorsement. A parallel form exists for allied health care providers (PR 20 03).
Program context
ISO's medical professional liability (PR) program provides separate coverage forms for physicians, surgeons and dentists; hospitals; allied health care providers; blood banks; diagnostic testing laboratories; optometrists; and veterinarians, each in an occurrence version and a claims-made version, with matching declarations (PR DS 01 to PR DS 07) and shared endorsements. Forms lists show the 09 08 edition as current. ISO has filed this as its Simplified Medical Professional Liability program.
Who needs it
Medical and dental practices with employed clinical staff.
Quoting and selling notes
- Confirm whether employed physicians need individual policies rather than additional insured status.
- Additional insureds share the policy limits.
- Compare with PR 21 01, which excludes employees as insureds.
