Plain-English meaning
Limited no-fault coverage that may pay certain medical expenses for guests injured on or because of the insured premises, subject to the form.
Why it matters
It can address smaller eligible injuries without first establishing legal liability.
Where you may see it
Liability sections, declarations, claim forms, and guest-injury questions.
What to verify
Eligible people, limit, exclusions, reporting requirements, and interaction with liability coverage.
Do not confuse it with
Health insurance or personal-liability coverage.
For policy-specific meaning, read the definition and related provision in the issued policy.