Under the Commercial General Liability Coverage Form, medical payments coverage applies to which scenario?

Under the Commercial General Liability Coverage Form, medical payments coverage applies to which scenario?

• A. Sara is a volunteer helping the named insured clean up their grounds
• B. A customer injures themselves while on the premises
• C. An employee is injured during work
• D. The named insured sustains a non-occupational injury

Answer: (A)

Medical payments coverage in a Commercial General Liability policy is designed to cover medical expenses for bodily injuries to people who are not the insured or its employees, when the injury results from the insured’s operations or occurs on the insured’s premises, and it does not depend on establishing liability. It also includes volunteers who are assisting the insured. In this scenario, Sara is a volunteer helping the named insured clean up the grounds. She is not an employee, but she is acting on behalf of the insured and is on the insured’s property to perform duties. If she is injured, her medical expenses would be covered under medical payments, up to policy limits, regardless of fault. The other options involve injuries to the insured or to employees, which are not covered by this portion of the policy (employees generally fall under workers’ compensation, and the insured’s own non-occupational injury isn’t covered by medical payments).

Medical payments coverage in a Commercial General Liability policy is designed to cover medical expenses for bodily injuries to people who are not the insured or its employees, when the injury results from the insured’s operations or occurs on the insured’s premises, and it does not depend on establishing liability. It also includes volunteers who are assisting the insured.

In this scenario, Sara is a volunteer helping the named insured clean up the grounds. She is not an employee, but she is acting on behalf of the insured and is on the insured’s property to perform duties. If she is injured, her medical expenses would be covered under medical payments, up to policy limits, regardless of fault. The other options involve injuries to the insured or to employees, which are not covered by this portion of the policy (employees generally fall under workers’ compensation, and the insured’s own non-occupational injury isn’t covered by medical payments).