Coverage C of a CGL will only cover medical expenses if they have been incurred and reported within what time frame after the occurrence?

Coverage C of a Commercial General Liability (CGL) policy specifically addresses medical expenses arising from an accident on the insured's premises or due to their operations. Under standard CGL policies, the coverage for medical expenses is designed to provide prompt payment for medical bills that result from a covered incident, thereby preventing further legal complications.

The correct time frame for reporting and incurring medical expenses in this context is 12 months after the occurrence. This ensures that claims are managed promptly and mitigates the insurer's risk by setting a clear limit on how long they will be liable for these types of claims. This time frame allows for timely assessment and settlement while balancing the need for the insured to address medical expenses without the burden of lengthy delays.

The other options, while they present varying durations, do not align with standard practices for CGL Coverage C. The 12-month period is established as reasonable and practical for both insured parties and insurers to ensure necessary medical expenses are covered effectively and efficiently.