Who benefits from the medical expense provisions in coverage CGL C?

The medical expense provisions in coverage C of a Commercial General Liability (CGL) policy are designed to provide quick and efficient payment for medical expenses without the need for the injured party to prove negligence or fault on the part of the insured. This means that the benefit extends beyond just the insured business.

Under these provisions, anyone who incurs medical expenses as a result of an accident on the insured's premises may receive reimbursement. This could include customers, visitors, or even passersby who are injured due to an incident that occurs there. The intention is to promote goodwill and provide immediate assistance to injured individuals, which can help mitigate larger liability claims in the future.

Therefore, the correct understanding is that the benefit of these provisions is not limited to the insured business only but extends to any other individuals who suffer injuries, aligning with the principle that quick compensation can help maintain relationships and reduce friction after an incident occurs. This is why the choice indicating that anyone other than the insured benefits from the medical expense provisions is accurate.