First aid costs for others injured on the insured's premises are...

First aid costs for others injured on the insured's premises are considered to be paid in addition to the liability limit. This means that if someone is injured on the property and requires first aid treatment, these costs are covered by the insurance policy without impacting the overall liability limit.

This provision is designed to ensure that immediate medical assistance can be offered without hesitation, which is important for both compassionate and legal reasons. Since first aid is often needed quickly and without delay, knowing that these costs won't reduce the liability coverage encourages property owners to provide necessary care at the moment of an incident.

Other options do not appropriately reflect how first aid costs are handled under typical liability policies. They either suggest that these costs would reduce the liability limit or would not be covered, which is contrary to the intention of encouraging prompt medical assistance on the insured's property.