What it does
PR 21 01 excludes employees as insureds, so the policy protects the named insured but not its employees individually.
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
Used when employed professionals carry their own policies or the underwriter will not insure them.
Quoting and selling notes
- Tell the client that staff named in suits will need their own coverage.
- Check employment contracts requiring the employer to insure staff.
- Contrast with the additional insured – employees endorsements PR 20 00 and PR 20 03.
