Florida Insurance Licensing Practice Exam

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How would Any Corp's general liability respond if an employee is injured by another employee during work?

  1. The liability section would pay after medical payments section

  2. Medical payment section would cover up to $5,000

  3. CGL would not cover as it only covers property damage

  4. Neither CGL nor medical payment section would respond

The correct answer is: Neither CGL nor medical payment section would respond

The correct answer is D. Neither CGL nor the medical payment section would respond in this situation. General liability insurance provides coverage for third-party injuries and property damage, not for injuries to employees. Similarly, the medical payment section of the policy only covers injuries sustained by non-employees on the company's premises. Therefore, in the scenario described, the injured employee would need to seek compensation through their employer's workers' compensation insurance.

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