What is the purpose of the CGL coverage C?

The purpose of Commercial General Liability (CGL) Coverage C is to provide no-fault medical payments for injuries that occur on the insured's premises or as a result of the insured's operations, regardless of whether the insured is legally obligated to pay for those injuries. This coverage is designed to cover medical expenses for injured parties without the need to establish fault, ensuring that individuals receive prompt medical care after an accident.

This type of coverage is particularly beneficial as it can help avoid litigation costs and foster goodwill by addressing injuries quickly. It applies to injuries sustained by third parties, offering a set amount per person for medical expenses incurred, usually within a specified time frame following the incident.

In contrast, other types of coverage mentioned in the other options serve different purposes. Coverage for property damage, for example, pertains to tangible damage to physical property rather than medical expenses. Business interruption coverage is generally associated with loss of income due to a business being unable to operate following a covered event, while protection against intentional injuries falls outside the usual scope of CGL, as intentional acts are often excluded from coverage.