Medical Payments coverage under a CGL policy generally does not apply to injuries to which group?

Medical Payments coverage under a CGL policy generally does not apply to injuries to which group?

• A. Employees
• B. Guests on premises
• C. Vendors on site
• D. Independent contractors

Answer: (A)

Medical Payments coverage in a CGL policy is designed to pay medical expenses for people other than the insured’s employees who are injured on the insured’s premises or as a result of the insured’s operations. Employees are excluded because workers’ compensation is the exclusive remedy for employee injuries, so Medical Payments does not apply to them. Therefore, injuries to guests on the premises, vendors on site, or independent contractors are not covered by workers’ compensation and are the groups typically eligible for Medical Payments if the incident falls within the policy terms.

Medical Payments coverage in a CGL policy is designed to pay medical expenses for people other than the insured’s employees who are injured on the insured’s premises or as a result of the insured’s operations. Employees are excluded because workers’ compensation is the exclusive remedy for employee injuries, so Medical Payments does not apply to them. Therefore, injuries to guests on the premises, vendors on site, or independent contractors are not covered by workers’ compensation and are the groups typically eligible for Medical Payments if the incident falls within the policy terms.