Associate In Insurance (AINS) 103 Practice Exam

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Medical expense coverage under Business Section II-Liability Coverage of the ISO BOP would cover small and reasonable medical claims for which group?

Customers Vendors Volunteer workers Employees on payroll

Correct Answer:

Volunteer workers

Explanation:

Medical expense coverage in the Liability section of the BOP is a medical payments provision designed to cover small, reasonable medical expenses for injuries to others that occur on the insured’s premises or as a result of the insured’s operations, regardless of fault. Among the groups listed, volunteer workers fit this coverage best. They’re not employees on payroll, so injuries to them during duties for the insured are addressed by this medical payments protection rather than by workers’ compensation. This provision provides quick help with medical costs for volunteers, while employees on payroll would typically be covered under workers’ compensation rather than this liability medical payments coverage.

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