First aid costs for others injured on the insured's premises are treated how under liability insurance?

Under liability insurance, first aid costs for others injured on the insured's premises are treated as paid separately and in addition to the liability limit. This means that when a person sustains an injury due to the insured's activities or conditions on their property, the cost of providing first aid for that injury does not reduce the overall limit of liability coverage available to the insured.

This provision is particularly important as it allows the insured to cover the immediate medical needs of the injured party without diminishing the available coverage for potential larger claims resulting from the incident. Such costs are often seen as part of the responsibility of the insured in ensuring the well-being of individuals who may be affected by any incidents occurring on their premises.

This arrangement emphasizes the intention of liability insurance to provide a comprehensive safety net for both the insured and injured parties, enhancing the overall protection offered under the policy.