A Commercial General Liability (CGL) policy grants insurance for third-party liabilities arising from bodily injury and property damage. The Medical Expenses coverage is one of the specific parts of the overall bodily injury liability coverage section under CGL policy. Let us look at how the Medical Expenses coverage usually applies in a CGL policy. Medical Expenses Coverage Purpose: The medical expenses coverage under a CGL policy is intended to pay for all resultant medical costs arising out of accidental bodily injury to third parties who are not employees arising on the insured business' premises or as a result of the operations of the insured company. Scope: It pays for reasonable medical costs, including, · Ambulance charges · Hospitalization expenses · Surgery costs · Consultations with medical practitioners ...