The medical payments coverage referenced in your business’ commercial general liability policy can best be compared to the med-pay range in your homeowner’s policy. It provides payment for first aid; necessary medical and dental treatment; ambulance, hospital, professional nursing, and funeral services to persons other than the insured. The intent is to compensate people injured on the insured’s premises or due to the insured’s operations, regardless of fault.

In most charter schools, general liability policies come with medical payment coverage of $5,000 or $10,000.

Medical payments coverage is often called no-fault coverage because the injured party doesn’t have to prove the insured’s negligence to receive payment.   Medical payment coverage allows a charter school to care for the wounded party without filing a liability claim.