We found the lady laying on the ground with a small amount of blood beside her head; our approach was cautious with a sheet of ice between her and us. It had rained night before then frozen; and there was no sand or salt on the walkway yet. We examined the gash on the back of her head cleaned it up a bit and got her into the transporting ambulance for a trip to the ER. We hope it was just a few stiches and not anything more serious. She was on her way into her chiropractor’s office in a small strip center. So, who is responsible for the hospital bill?
So who's at fault?
Essential coverage for small businesses and most contractors
Coverage may be required to apply for certain professional licenses
First, she’ll get billed, her medical insurance company will probably pay; then the subrogation department at her medical insurance company will go after the chiropractor and the owner of the building to recover what they paid. If the chiropractor owns the building, then the building and business are likely on the same policy; if not the landlord should have his own policy.
How will the medical insurance company know all this? Well, because the bills were submitted to them, they have access to the reports from the ambulance company and hospital which has the address of the call, and how the injury happened.
Med pay: many commercial general liability policies have a medical payment component to them which is sort of a “no questions asked” go to urgent care get checked out and we’ll pay the bill up to $5,000 or $10,000. And please don’t call your lawyer. Not a bad deal, and sometimes it works well for all concerned. No deductibles, no subrogation department and the bills get paid.
Most CGL coverage is found in the business owners policy (BOP) or in the commercial package policy which have many different coverages including CGL and property. Sometimes the CGL is on its own separate policy.
The Taylor Wells Difference
Personal support
We are in a unique position to provide the absolute highest level of personalized service to each of our clients
More than 20 years of experience
Our broad range of experience allows us to provide clients with exceptional advice and help identify risks and coverage
Full-service Agency
We offer a diverse range of insurance solutions, and we help to protect homeowners, business and everything in between
Relationships are important
At Taylor Wells Insurance, we believe that relationships are built upon trust, integrity and a higher level of service