What it does
For any premises or classification shown in the schedule, CG 21 35 makes Coverage C – Medical Payments not apply, removing all references to it. It adds to Supplementary Payments the expenses the insured incurs for first aid administered to others at the time of an accident for covered bodily injury.
Who needs it
Common on apartments, contractors, recreation and other classes where med pay claims are frequent.
Key provisions and limits
- Liability coverage under Coverage A is unchanged; injured parties must prove negligence.
Quoting and selling notes
- Explain to retail and hospitality clients that small injury claims may become lawsuits without med pay.
