Med Pay Insurance for the Small Business

This happened to me again today, and I do not know why. (Okay, I do know why, so I will explain it here too.)

When you own a small business, you generally buy a commercial general liability policy. This policy covers you if someone is injured as a result of your negligence. In other words, if you do something wrong, and someone is hurt, this policy will pay for the other person's damages. If you are sued, this policy pays for the cost of defending you, as well.

But, what happens if someone is hurt and it may not be your fault? I know someone who was hurt at a business. It may not have been the businesses fault. The business, however, does not have med pay, or medical payments, coverage. Most small businesses do not. So, you ask.

Med pay pays someone else's reasonable and necessary medical bills if they are hurt on your property - even if it is not your fault. So, hypothetically, someone is on your property and drops a box on their foot. It is not your fault. However, if they break their foot, your insurance company, if you have med pay, would pay their medical bills. Why does this matter?

If you are a small business, you may like this customer. This may even be one of your bigger customers. If you do not have med pay, this customer may sue you for his/her medical bills. Or this customer may have to pay out of pocket for their expenses. If you had med pay, your insurance company would pay the bills - and you would have a happy, or happier, customer.

All small businesses should look at adding med pay to their policy.

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Never heard of med pay insurance before. Thanks for the informative post.

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Interesting, you bring up some interesting scenarios. I will look to see if i can have this kind of insurance in Ontario.

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As far as I know, employers or owners of big or small business cover their employees/clients' med bills depending on their policy. However, in most cases, the employee has to be promoted as regular first before acquiring the insurance. If the business doesn't have this kind of policy, then the employee or client has to apply for cash advances to cover his meds.

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