Which type of coverage is not subject to a deductible in Commercial General Liability?

Medical payments coverage in a Commercial General Liability (CGL) policy is designed to cover medical expenses for injuries sustained by third parties on the insured's premises or as a result of the insured's activities, regardless of fault. This means that if someone is injured, their medical bills can be paid without the need for them to prove negligence or for the insured to be found liable.

Unlike bodily injury liability coverage and property damage coverage, which do have deductibles and typically require the insured to be found legally responsible for the loss before payments are made, medical payments coverage provides a more immediate response to injuries. It serves as a goodwill gesture to cover medical expenses promptly, thereby avoiding potential lawsuits and fostering better relations with customers or bystanders.

This straightforward approach is particularly beneficial for businesses, as it allows them to take care of injured parties quickly, helping to mitigate further liability issues.