We have an association where property owners are members of the association. Liability coverage is provided by CG 00 01 04/13 as a club and club members as additional insured CG 20 02 11/85 applies.
If one of these members volunteers to clean-up the common grounds of the association and hurts themselves, would coverage C medical payments apply to them? How about liability coverage?
I've read several articles with conflicting answers.
Appreciate your comments.
Pennsylvania Subscriber
By adding the club members as additional insureds on the policy, each club member is afforded the same liability coverage as the insured under the policy. As such, the club members are afforded coverage for third party liability damages brought against them by a third party. Because the club members are in effect insureds under the terms of the policy, they are not third parties under the policy and therefore do not have coverage for their own first party damages; an insured cannot sue themselves. As such, the injured club member would not have medical expense coverage nor liability coverage for themselves; only for claims brought against them by a third party.
Further, because the club members are considered to be insureds, even if they were cleaning up the property on a volunteer basis that does not make them "volunteer workers".