Medical payments coverage under CGL would apply to which of the following individuals injured on the insured's premises during an activity?

Medical payments coverage under CGL would apply to which of the following individuals injured on the insured's premises during an activity?

• A. A customer or volunteer assisting at the insured's site
• B. An employee during work duties
• C. The insured themselves
• D. A landlord

Answer: (A)

Medical payments coverage under a CGL policy is intended to pay reasonable medical expenses for people other than the insured or the insured’s employees who are injured on the insured’s premises or as a result of the insured’s business activities, regardless of fault. The crucial point is that the injured party is a third party on-site due to the insured’s operations. A customer or a volunteer assisting at the insured’s site fits this scenario because they’re on the premises to participate in or support the insured’s activity, so medical expenses would be covered. An employee’s injuries are typically covered by workers’ compensation rather than CGL medical payments, so that choice doesn’t fit. The insured themselves are generally not covered by their own medical payments, and a landlord isn’t described as participating in the insured’s activity in this context, so they’re not the best fit for this scenario.

Medical payments coverage under a CGL policy is intended to pay reasonable medical expenses for people other than the insured or the insured’s employees who are injured on the insured’s premises or as a result of the insured’s business activities, regardless of fault. The crucial point is that the injured party is a third party on-site due to the insured’s operations. A customer or a volunteer assisting at the insured’s site fits this scenario because they’re on the premises to participate in or support the insured’s activity, so medical expenses would be covered.

An employee’s injuries are typically covered by workers’ compensation rather than CGL medical payments, so that choice doesn’t fit. The insured themselves are generally not covered by their own medical payments, and a landlord isn’t described as participating in the insured’s activity in this context, so they’re not the best fit for this scenario.