If Joe is injured in his delicatessen and files a claim for medical expenses, is coverage available under his businessowners policy?

In a businessowners policy (BOP), coverage for medical expenses is typically designed to cover medical costs for third parties who are injured on the insured's premises. This means that while a policy may provide for medical payments to individuals who suffer injuries while visiting the business, it generally does not extend coverage to the business owner or employees injured while on the job or premises.

As such, if Joe, the owner of the delicatessen, is injured, his businessowners policy would not cover his medical expenses under the medical payments section. This provision focuses on providing a specific type of coverage to protect third-party claimants rather than the insured party themselves.

For Joe to have coverage for his medical expenses resulting from his injury, he would need to rely on other forms of insurance, such as workers' compensation or personal health insurance, rather than the BOP's medical expense coverage aimed at third-party injuries.