Coverage M Clause Samples
Coverage M is a provision in insurance policies that specifically addresses medical payments coverage. It typically provides for the payment of medical expenses incurred by individuals who are injured on the insured premises or as a result of the insured's activities, regardless of fault. For example, if a guest slips and falls at the insured's home, Coverage M would pay for their medical bills up to a specified limit. The core function of this clause is to ensure prompt payment of medical costs for minor injuries, thereby reducing the likelihood of lawsuits and facilitating quick resolution of small claims.
Coverage M. Medical Payments to Others, does not apply to "bodily injury:"
a. to a "residence employee" if the "bodily injury:"
(1) occurs off the "insured location;" and
(2) does not arise out of or in the course of the "residence employee's" employment by an "insured."
b. to any person eligible to receive benefits:
(1) voluntarily provided; or
(2) required to be provided; under any:
(1) workers' compensation law;
(2) non-occupational disability law; or
(3) occupational disease law.
c. from any:
(1) nuclear reaction;
(2) nuclear radiation; or
(3) radioactive contamination;
(4) any consequence of any of these.
d. to any person, other than a "residence em- ployee" of an "insured," regularly residing on any part of the "insured location."
Coverage M. Medical Payments To Others
1. To a "residence employee" if the "bodily injury":
a. Occurs off the "insured location"; and
b. Does not arise out of or in the course of the "residence employee's" employment by an "insured";
2. To any person eligible to receive benefits vol- untarily provided or required to be provided un- der any:
Coverage M. Medical Payments to Others................................................................................. 3
Coverage M. Medical Payments to Others, does not apply to "bodily injury":
a. To a “residence employee” if the “bodily injury”:
(1) Occurs off the “insured location”; and
(2) Does not arise out of or in the course of the “residence employee’s” employment by an “insured”;
b. To any person eligible to receive benefits:
(1) Voluntarily provided; or
(2) Required to be provided; Under any:
(1) Workers' compensation law;
(2) Non-occupational disability law; or
(3) Occupational disease law;
c. From any:
(1) Nuclear reaction;
(2) Nuclear radiation; or
Coverage M. Loss of Customers’ or Members’ Property Loss of customers’ or members’ Property, except Money (unless Money is stated as being included in Insuring Agreement M.2. in ITEM 5 of the Declarations), while in customers' or members’ safe deposit boxes in vaults on the premises of the Insured, by burglary or robbery or attempt thereat or for damage to or destruction of such items, provided such loss is included in the Insured's proof of loss. Customer or member Property described in Insuring Agreement M.2. is covered while stored in such vaults by or for customers or members, or temporarily elsewhere on the premises of the Insured, and in the course of deposit in, or removal from, such boxes or vaults. Such Property may be owned by customers or members or held by them in any capacity, whether or not the customers are liable to others for loss thereof.
Coverage M. Medical Payments to Others,
a. to a "residence employee" if the "bodily injury:"
(1) occurs off the "insured location;" and
(2) does not arise out of or in the course of the "residence employee's" employment by an "insured."
b. to any person eligible to receive benefits:
(1) voluntarily provided; or
(2) required to be provided; under any:
(1) workers' compensation law;
(2) non•occupational disability law; or
(3) occupational disease law.
c. from any:
(1) nuclear reaction;
(2) nuclear radiation; or
(3) radioactive contamination;
(4) any consequence of any of these.
d. to any person, other than a "residence employee" of an "insured," regularly residing on any part of the "insured location."
Coverage M. Medical Payments To Others