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- Which of the following would be a covered loss under the medical payment coverage of a commercial general liability policy? A delivery person trips and falls on the insured premises A tenant of the insured falls in the insured parking lot An employee is injured while working on the insured premises An employee is injured while playing basketball on the insured premises during a break. What levels of risks are properly and most economically passed on to insurance carriers?Why do the government subsidize insurance companies.