Which group is typically excluded from Medical Payments coverage under a CGL policy?

Which group is typically excluded from Medical Payments coverage under a CGL policy?

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

Answer: (A)

Medical Payments coverage under a Commercial General Liability policy is intended to cover medical expenses for third parties who are injured on the insured’s premises or as a result of the insured’s operations, regardless of fault, up to the policy limits. Employees are typically excluded because their injuries are handled under workers’ compensation, which is the exclusive remedy in most jurisdictions. Including employees in Medical Payments would create duplication of benefits and mix two distinct risk coverages, so the policy language excludes them. This leaves non-employees—such as guests, vendors, and contractors—who may be injured on site to receive Medical Payments, subject to the policy’s terms.

Medical Payments coverage under a Commercial General Liability policy is intended to cover medical expenses for third parties who are injured on the insured’s premises or as a result of the insured’s operations, regardless of fault, up to the policy limits. Employees are typically excluded because their injuries are handled under workers’ compensation, which is the exclusive remedy in most jurisdictions. Including employees in Medical Payments would create duplication of benefits and mix two distinct risk coverages, so the policy language excludes them. This leaves non-employees—such as guests, vendors, and contractors—who may be injured on site to receive Medical Payments, subject to the policy’s terms.