Under which circumstance would the medical payments coverage fail to protect a worker employed by the insured?

• A. The worker is injured while performing duties and workers' compensation is required but not carried
• B. The worker is injured while not on premises
• C. The worker is injured in a car accident away from home
• D. The worker is injured while not employed

Answer: (A)

Medical payments coverage is designed to cover basic medical expenses for injuries related to the insured’s operations, but it does not override workers’ compensation rules. When an employee is injured on the job and state law requires workers’ compensation, that coverage acts as the exclusive remedy. If the employer does not carry workers’ compensation as required, there is no workers’ comp protection to rely on, and medical payments coverage will not step in to pay these on-the-job injuries. So, the injury occurring during job duties with required but absent workers’ compensation leaves medical payments coverage unable to provide protection.

The other scenarios involve injuries not arising from required workers’ compensation duties, where medical payments coverage can apply depending on the policy terms.