To which scenario would CGL Medical Payments apply?

The correct answer focuses on the application of Commercial General Liability (CGL) Medical Payments coverage. This type of coverage is designed to pay for medical expenses incurred by individuals who are injured on the insured's premises or as a result of the insured's operations, without regard to fault.

In the scenario where a volunteer worker is handing out company coupons during a sale, they could potentially be injured while engaged in this activity. If they were to suffer an injury as a result of a dangerous condition associated with the location or the event being conducted by the business, the CGL Medical Payments coverage would apply. This ensures that the company can help cover the medical costs for this individual, fostering goodwill and addressing the injury promptly.

In contrast, while a customer slipping on a wet floor might seem like a candidate for CGL Medical Payments, it is more commonly associated with liability claims where fault is established, rather than the no-fault approach of Medical Payments. An employee injured on the job typically falls under workers’ compensation provisions rather than CGL. Similarly, while an architect's negligence may lead to a liability claim, it does not involve medical payments for injuries incurred on the premises or in the course of business operations.