Does the CGL, Coverage C: Medical Payments cover injuries to tenants if they are on premises they normally occupy?

The correct interpretation regarding Coverage C: Medical Payments in a Commercial General Liability (CGL) policy is that it does not cover injuries to tenants when they are on premises they normally occupy. This stipulation exists because Coverage C is intended to provide a limited form of medical payments coverage that addresses injuries sustained by non-tenants or guests who are on the insured's premises.

When a tenant is on premises they occupy, their situation falls under the tenant's own liability or the landlord's property liability coverage, rather than the CGL's Medical Payments provisions. Tenants typically have their own insurance policies that are designed to cover injuries while they are in their rented space. The goal of the CGL policy is to protect the insured from liabilities related to their business operations, particularly involving visitors or non-tenants, which is why injuries to tenants at their occupied premises are excluded from coverage.

This understanding highlights the need for both landlords and tenants to be aware of their respective insurance responsibilities when it comes to medical costs arising from personal injuries on the premises.