RMIN 5100S Chapter 11: Chapter 11

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Chapter 11
a) Coverage C Medical Payments (regardless of fault do not have to get sued)
i) Insuring Clause: we will pay medical expenses as described below for bodily
injury caused by an accident (ONLY pays medical bills, not pain and
suffering)
(1) On premises you own or rent, on ways next to premises you own or rent,
or because of your operations in the coverage territory if expenses are
incurred and reported within 1 year of accident and the injured person
submits to examination by our physicians
(2) Payments made regardless of fault at the request of the insured (provided
that coverage is applicable)
(3) Insured is in control of whether the payments extend to the injured (can
offer it to injured or chose to refrain and risk getting sued if you get sued
then your insurance company can chose to settle
ii) Bar: if a bouncer throws someone out and that person gets injured and sues
the bar/bouncer, CGL will cover (not cover if the bouncer was injured)
iii) Penn State would respond to the civil trial but not his criminal trial (paying
for the defenses); only covered if he was acting on the job
iv) Exclusions:
(1) Any Insured
(2) Hired Person
(3) Injury to a Normally Occupied Premises
(4) Workers Comp and Similar Laws
(5) Athletic Activities
(6) Products-Completed Ops Hazard
(7) Coverage A Exclusions (also cannot stack coverage between C and A)
2) CGL: Who is an Insured?
a) Named Insured the business named in the policy
b) Subsidiary businesses
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