Which statement best reflects the idea behind 'No Benefits to Bailee' as it relates to policy benefits?

• A. Bailee receives no benefits from the policy
• B. Bailee is automatically named as insured
• C. Policy pays additional benefits to bailee
• D. Bailee can claim directly from insurer

Answer: (A)

No Benefits to Bailee means the policy is for the insured’s loss, not for someone who has temporary possession of the insured’s property. If the property is in the care, custody, or control of a bailee (like a repair shop, dry cleaner, or storage facility) and a claim arises, the insurer pays the owner of the property, not the bailee. The bailee cannot directly claim on the policy or receive benefits from it. If the bailee wants coverage, they’d need their own policy or a separate agreement. So the best description is that the bailee receives no benefits from the policy.