Under the Commercial General Liability Coverage Form, who does medical payments coverage apply to?

Medical payments coverage under the Commercial General Liability (CGL) Coverage Form is designed to address medical expenses incurred by persons who are injured on the insured's premises or due to the insured's operations, without regard to fault. This coverage is typically intended for individuals such as customers, guests, or bystanders who might suffer accidental injuries while on the insured's property.

In the context of this specific question, while typical beneficiaries of medical payments might seem to include customers, the correct choice points to a volunteer worker of the named insured. This is an important distinction because volunteer workers are often included under the coverage as they are considered non-employees yet may still be exposed to risks associated with the business operations.

Medical payments coverage supports the idea of good business practice by helping to cover medical expenses quickly, which can assist in avoiding lengthy liability disputes. It also highlights the understanding that this coverage acts in a preventative manner, aiding injured parties even if the insured party is not found to be negligent. This differentiates it from other types of liability coverage that focus more extensively on the involved parties' responsibilities.