Is medical payments coverage automatically provided under business auto coverage?

Medical payments coverage is not automatically included under business auto coverage. Instead, it is an optional coverage that businesses can choose to add to their policy. This coverage is designed to pay for medical expenses resulting from vehicle accidents, regardless of who is at fault, but it does not come standard with business auto insurance.

In many cases, businesses may focus on liability coverage as their primary concern, overlooking medical payments coverage unless they specifically opt to include it in their policy terms. This underscores the importance for businesses to assess their risk exposure and the specific needs of their operations when selecting coverage options. Thus, understanding that medical payments coverage is optional helps insured parties make informed decisions about the additional coverage they may need for comprehensive protection against potential medical costs arising from auto-related incidents.