We have an association where property owners are members of the association. Liability coverage is provided by CG 00 01 04/13 as a club and club members as additional insured CG 20 02 11/85 applies.

If one of these members volunteers to clean-up the common grounds of the association and hurts themselves, would coverage C medical payments apply to them? How about liability coverage?

I've read several articles with conflicting answers.

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