What types of expenses are covered under Coverage C - Medical Payments in the CGL policy?

What types of expenses are covered under Coverage C - Medical Payments in the CGL policy?

• A. Legal fees for defending claims
• B. Medical, surgical, hospital, or funeral expenses for injured third parties
• C. Losses due to property damage
• D. Costs related to business interruption

Answer: (B)

Coverage C - Medical Payments in a Commercial General Liability (CGL) policy is designed specifically to pay for medical, surgical, hospital, or funeral expenses incurred by third parties injured on the insured’s premises or as a result of the insured's operations. This type of coverage offers a straightforward approach to handling minor injuries, allowing for quicker compensation without the need for establishing fault or negligence. This is particularly beneficial for maintaining good relations with injured parties, as it can settle claims swiftly while avoiding lengthy legal processes. The coverage typically has a set limit, covering expenses incurred within a specific time frame after the injury occurs. It’s important to note that this coverage is focused solely on medical expenses and does not extend to legal fees or property damage, which fall under different provisions of the CGL policy. Thus, it emphasizes providing immediate support for medical needs rather than dealing with claims or operational interruptions.

Coverage C - Medical Payments in a Commercial General Liability (CGL) policy is designed specifically to pay for medical, surgical, hospital, or funeral expenses incurred by third parties injured on the insured’s premises or as a result of the insured's operations. This type of coverage offers a straightforward approach to handling minor injuries, allowing for quicker compensation without the need for establishing fault or negligence.

This is particularly beneficial for maintaining good relations with injured parties, as it can settle claims swiftly while avoiding lengthy legal processes. The coverage typically has a set limit, covering expenses incurred within a specific time frame after the injury occurs. It’s important to note that this coverage is focused solely on medical expenses and does not extend to legal fees or property damage, which fall under different provisions of the CGL policy. Thus, it emphasizes providing immediate support for medical needs rather than dealing with claims or operational interruptions.