Which of the following is NOT typically covered by a workers' compensation policy?

Workers' compensation policies are designed to provide coverage for employees who suffer injuries as a direct result of their job duties. This includes injuries sustained while performing tasks on the employer's premises as well as in some situations off-premises, depending on the circumstances and the nature of the job.

When addressing the correct choice, injuries occurring off-premises are typically not covered unless they are directly related to the performance of work duties. For instance, if an employee is injured while commuting to work, that injury would not be covered by workers' compensation. Coverage is generally limited to injuries that happen while the employee is engaged in activities that are part of their job.

In contrast, work-related injuries occurring at the employer's location would be covered under a workers' compensation policy, since that is a primary function of the insurance. Legal liabilities for workplace accidents are also generally not included under workers' compensation; instead, this area is typically covered by general liability insurance. Additionally, obligations to pay employee wages during their recovery fall under workers' compensation practices as well, as many policies provide for wage loss benefits during the recuperation period.

Thus, the correct answer identifies that injuries occurring off-premises typically do not receive coverage under standard workers' compensation policies. This understanding is vital