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

First aid costs for others injured on the insured's premises are typically considered separate from the liability limits outlined in a property insurance policy. This means that they do not count against the overall liability coverage limit that the policy provides. Instead, these costs are usually paid in addition to the liability limit, allowing the insured to cover immediate medical expenses for injured parties without having to deduct those costs from the total amount available for other liability claims.

This approach serves to provide prompt assistance to individuals injured on the premises without affecting the insured's capacity to manage further claims should more serious or additional liabilities arise later. It encourages responsible action in providing care to the injured, enhancing safety, and mitigating the potential for longer-term claims.

Understanding how first aid expenses are treated under liability coverage is crucial for both the insured and insurance practitioners, as it underscores the importance of providing immediate care and support in the event of an accident on the insured premises.