Which of the following is generally covered under the Workers' Compensation policy?

Workers' Compensation policies are designed primarily to provide coverage for workplace injuries and illnesses that employees may incur while performing their job duties. Employers liability coverage is a fundamental component of Workers' Compensation, protecting employers against claims made by employees. This can include situations where an employee asserts that their injury or illness arises from the employer’s negligence.

In contrast, the other options typically do not fall under the standard Workers' Compensation coverage. Employees benefit liability relates to benefits provided to employees but is not specifically linked to workplace injuries. Third-party liability involves claims made by injured employees against outside parties rather than their employer. Finally, fiduciary liability pertains to the responsibilities of individuals who manage employee benefit plans, distinct from the scope of Workers' Compensation insurance, which focuses specifically on employee injuries and illnesses sustained during work. Understanding this distinction is crucial for recognizing the protective nature of Workers' Compensation policies in the context of workplace safety and employer obligations.