The injuries suffered by the claimant were not the result of any malpractice on the part of your insured, such as the claimant being burned by the misuse of the X-ray machine. The machine probably fell because it was not installed properly or perhaps because of wear and tear, neither of which serves as an example of professional services on the part of your insured. The event is similar to a light fixture or a mirror falling off the wall and hitting a patient, so this is a premises liability issue.

There can be a fine line between a claim based on professional liability and one based on general liability, and the decision about which coverage applies is usually based on the facts of the situation. In this instance, the facts point toward a premises liability claim and the CGL form is the proper coverage for the bodily injury claim of the patient.