What does coverage CGL C pay for?

Coverage C under a Commercial General Liability (CGL) policy is specifically designed to provide coverage for medical expenses related to bodily injuries that occur on the insured premises. This coverage is often referred to as "Medical Payments" coverage and is intended to pay for necessary medical expenses incurred by individuals who are injured on the property, regardless of whether the insured is legally liable for the incident.

This aspect of Coverage C is crucial because it allows for prompt payment of medical expenses, which helps to avoid lengthy litigations over bodily injury claims. Coverage is typically limited to expenses that are incurred within one year of the accident, emphasizing the need for timely care after an incident. It fosters a more amicable resolution of potential claims by covering medical costs upfront, independent of fault.

While the other answers address important aspects of liability insurance such as legal fees, bodily injury claims, and general liability for contractors, they do not specifically encapsulate the core intent and scope of Coverage C within a CGL policy. Thus, the recognition of Coverage C's specific focus on medical expenses provides a clear understanding of its role in the framework of general liability insurance.