What is the basic Medical Payment coverage limit under a CGL policy?

What is the basic Medical Payment coverage limit under a CGL policy?

• A. $2,000
• B. $3,000
• C. $1,000
• D. $5,000

Answer: (D)

Medical Payments coverage in a Commercial General Liability policy pays medical expenses for bodily injury to third parties resulting from an accident on the insured’s premises or from the insured’s operations, without regard to fault. The basic limit for this coverage is five thousand dollars per person. This no-fault protection is meant to cover immediate medical costs to quicken help after an incident and to reduce potential legal disputes. It typically applies to non-employees; injuries to employees are generally handled by workers’ compensation, not Medical Payments under the GL policy. Higher limits can be chosen, but the standard basic limit is five thousand per person.

Medical Payments coverage in a Commercial General Liability policy pays medical expenses for bodily injury to third parties resulting from an accident on the insured’s premises or from the insured’s operations, without regard to fault. The basic limit for this coverage is five thousand dollars per person. This no-fault protection is meant to cover immediate medical costs to quicken help after an incident and to reduce potential legal disputes. It typically applies to non-employees; injuries to employees are generally handled by workers’ compensation, not Medical Payments under the GL policy. Higher limits can be chosen, but the standard basic limit is five thousand per person.