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

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Prepare for the Florida Claims Adjuster (6-20) Test. Use flashcards and multiple choice questions, with hints and explanations for each question. Ace your exam!

Multiple Choice

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

Explanation:
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.

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