What does CGL Coverage C primarily insure?

CGL Coverage C primarily insures medical payments. This coverage is designed to pay for medical expenses incurred by a third party due to an accident that occurs on the insured's premises or as a result of the insured's operations, regardless of fault.

It's essential in protecting businesses by covering immediate medical costs, which can help mitigate the risk of lawsuits following an accidental injury. This can include ambulance services, hospital stays, and other related medical expenses, making it an important part of overall liability coverage.

Medical payments coverage is particularly valuable because it can foster goodwill and can often prevent larger claims or lawsuits related to injury, as it allows for prompt payment of medical expenses regardless of the determination of liability.