This coverage is found in the General Liability coverage Part - Coverage C.
It is intended to pay: 1) First-aid administered at the time of the accident, 2) Necessary medical, surgical, x-ray and dental services, including prosthetic devises and 3) necessary balance, hospital, professional nursing and funeral services, all of which are paid without regard to liability or fault. This is a no-fault coverage
A) Bodily Injury is caused by an accident.
B) The person sustaining bodily injury is a non-insured.
C) The injury must occur within the coverage territory and on premises or on ways next to the premises, the named insured owns' or rents, or because of the named insured's operations.
D) The expenses incurred must be reported to the insurer within one year from the date of the accident; and
E) The injured person must submit to an examination, at the insurers expense and with its choice of physicians as often as necessary.
Persons who are not eligible for medical payment are employees of the named insured, a person injured on that part of the premises, the named insured own's or rents that the person normally occupies, persons injured during athletic activities, those injured by the named insured's products or completed work or where the bodily injury was expected or intended, except when exercising reasonable force to protect persons or property.
While the aim of this coverage is to 1) Promote goodwill, and 2) By doing so, hopefully make filing a lawsuit unnecessary, it does not always work that way.
Do not confuse Premises Medical Payment Coverage with Automobile Medical Payments Coverage, as this coverage applies to both insured's and non-insured's so long as they were injured as occupants of the auto or pedestrians.
A lot of insurance companies exclude Premises Medical Payments for contractors as they work at numerous locations with a high amount of traffic and the cost and payouts of this no-fault coverage, multiplied by the number of locations not only can be insurmountable, but also have a significant impact on claims history.
Article provided by Gregg Wright, RPW/United Agencies
9155 Telegraph Road, Ste. 106, Pico Rivera, CA 90660
Phone (562)373-9351 Fax (562)373-9356. Email:
(Nov 30, 2012)
American Subcontractors Association California Inc.
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Phone: 628-888-4329 Fax: 530-662-2865 Email
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