West Virginia Property and Casualty Licensing Practice Exam

Which type of injury is covered under the medical payments section of a commercial general liability policy?

1. Worker injury on site

2. Customer injury while visiting the insured's showroom

3. Injury during a promotional event

4. Injury while delivering goods

The correct answer is: Customer injury while visiting the insured's showroom

The medical payments section of a commercial general liability policy is designed to provide coverage for medical expenses incurred due to injuries sustained by others on the insured's premises, regardless of fault. This coverage is intended to address injuries that occur to non-employees, particularly customers and visitors. In the context of the given scenario, when a customer is injured while visiting the insured's showroom, the medical payments provision would apply. It covers medical costs for the injured party without requiring a lawsuit or determining liability, making it a useful feature for businesses to maintain good relationships with customers and mitigate potential legal actions. Worker injuries, on the other hand, usually fall under workers' compensation insurance rather than a commercial general liability policy. Additionally, while injuries during promotional events and while delivering goods might also seem relevant, the medical payments section specifically applies to injuries occurring on the insured's premises where customers are invited to be. Thus, the customer injury in the showroom aligns perfectly with the intent and purpose of the medical payments coverage.