For business policies, MedPay is usually available to pay for medical expenses incurred due to injury occurring on the premises of your business - again regardless of fault. Example - An elderly customer seems to fall for no particular reason. You are not necessarily at fault, but for good will purposes, you take care of the doctor visit. MedPay takes care of the cost. The deductible is the monetary portion of the damages which you, as the insured, will bear when a loss occurs.
Deductibles vary according to the choice of the insured.
Your policy coverage is as complete as the coverage you choose. Don't assume something is covered - ask to be sure. Also don't assume that coverages are packaged together in premium costs. For instance, comprehensive and collision coverages are, most often, sold together, but carry individual premium costs. Make certain that your agent spells out all the details.