What does Coverage C (Medical Payments) cover, and to whom?

• A. Medical expenses for injuries to third parties on the insured's premises or arising from the insured's operations, paid regardless of fault.
• B. Property damage to insured property.
• C. Medical expenses for employees.
• D. Defense costs for personal injury.

Answer: (A)

Medical Payments coverage is designed to promptly pay medical expenses for bodily injuries to others who are on the insured’s premises or are injured by the insured’s operations, regardless of who is at fault. This means a customer, visitor, or other third party who is injured gets covered medical bills without the need to prove liability. It only applies to third parties, not to the insured or the insured’s employees, and it does not cover property damage or defense costs. So the best description is medical expenses for third-party injuries on the insured’s premises or arising from the insured’s operations, paid regardless of fault.