CU 22 20 Pharmacists

An Insurance Services Office (ISO) standard form. It treats injury or damage from a pharmacist's professional services as an occurrence under the umbrella, while excluding willful violations of pharmacy law, consulting, diagnostic and prescribing services, and products the insured prescribes.

1. 06 26 edition

   Jun 2026, compared with 12 19Latest edition

   • Consulting with customers about the preparation, storage or use of pharmaceutical products is now an exception to the consulting and diagnostic services exclusion, alongside vaccinations.

     12 19

     Not in this edition

     06 26

     “Consulting provided to customers regarding the preparation, storage or use of pharmaceutical products”

2. 12 19 edition

   Dec 2019, compared with 04 13

   • The willful violation exclusion now also applies to violations of any state or federal law governing a pharmacist's health care services.

     04 13

     Not in this edition

     12 19

     “or of any applicable state or federal law governing the rendering of health care services as a pharmacist”

   • Managing drug therapy is no longer listed in the consulting and diagnostic services exclusion.

     04 13

     “prescribing or administering of any drugs and managing drug therapy”

     12 19

     Removed

   • The limit on employees' coverage for professional health care services now also applies to volunteer workers.

     04 13

     Not in this edition

     12 19

     “"employees" or "volunteer workers" are insureds for:”

1 other edition date appears in one or two filings each, often carrier-specific versions: 05 09.

Where filings record what this form replaced, they name earlier edition 04 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 11 companies filed the 12 19 edition and 2 companies filed 06 26.
• CU 22 63 (Pharmacists – Broadened Professional Services Coverage (formerly titled Pharmacists – Broadened Coverage)) is filed alongside it most often, in 83 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Chubb Limited GroupUses CU 22 20 in 1 filing
• Berkshire Hathaway GroupUses CU 22 20 in 1 filing

• CU 22 63Pharmacists – Broadened Professional Services Coverage (formerly titled Pharmacists – Broadened Coverage)83 filings
• CU 00 01Commercial Liability Umbrella Coverage Form74 filings
• CU 21 15Exclusion – Financial Services74 filings
• CU 34 23Cannabis Exclusion With Hemp Exception74 filings
• CU 22 94Professional Liability Exclusion – Computer, Telecommunication, Electronic Data Or Internet Services (formerly titled Professional Liability Exclusion – Electronic Data Processing Services And Computer Consulting Or Programming Services)73 filings
• CU 24 30Amendment of Insured Contract Definition73 filings
• CU 22 85Exclusion – Internet Service Providers And Internet Access Providers Errors And Omissions71 filings
• CU 22 86Professional Liability Exclusion – Web Site Designers71 filings
• CU 22 93Professional Liability Exclusion – Computer Data Processing71 filings
• CU 21 86Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information70 filings