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ISO Commercial Inland Marine Program

Summary: Three basic categories of property are insured under the Physicians and Surgeons Equipment Coverage form (CM 00 26 03 10 ): professional medical, surgical, and dental equipment; office equipment; and the tenant-insured’s interest in improvements and betterments. As with the rest of the commercial inland marine program of the Insurance Services Office (ISO), the property is insured on an open perils basis, subject to the exclusions listed on the form. Following is a discussion of the 2010 update of the form.

Topics covered:

Eligibility Insuring agreementProperty not coveredCovered causes of lossAdditional coverageCoverage extensionExclusions Limits and deductibleConditions Definitions Endorsements


The physicians and surgeons equipment coverage form is available for use to insureds in the medical or dental profession with the following exceptions: hospitals, dealers in medical equipment, medical schools, clinics, and similar risks. Doctors who share facilities while maintaining individual practices are not considered clinics or similar risks and therefore are eligible for use of the form; however, the eligibility rules state that in such instances all property not jointly owned will be rated separately. If the insureds are residents of the same household, though, this rating rule does not apply.

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