This extension of coverage for medical expenses, is for emergency, or necessary medical treatments which is incurred by a third party who accidentally sustained injuries at your premises and is paid regardless of fault/negligence. It’s more of a good promote goodwill and is subject to terms and conditions of the policy.

For instance, if an individual were to slip and fall while on your property and they require an ambulance to the hospital, the insured could volunteer to pay the bill without any admission of any negligence or wrongdoing.

Edit as per info from HUB July 22, 2024