A visitor trips on a showroom step and runs up $3,000 in emergency-room bills, but the retailer is plainly not at fault. Coverage C of the retailer's general liability policy:
Explanation
Coverage C is a goodwill provision that pays reasonable medical expense for injuries occurring on premises the insured owns or rents, or arising out of the insured's operations, with no finding of negligence required, so long as the injury occurs and is reported within the periods the form states. Requiring a court finding of fault describes Coverage A, not medical payments. These payments erode the each-occurrence limit and the general aggregate rather than the products–completed operations aggregate.
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