What is a common exclusion from employer's liability insurance?

Employer's liability insurance is designed to protect businesses against claims made by employees for work-related injuries or illnesses that are not covered by workers' compensation. One of the common exclusions from this type of insurance is racial discrimination. Claims of racial discrimination often fall under employment practices liability insurance, which covers issues related to wrongful termination, discrimination, harassment, and other employment-related claims.

The reason that racial discrimination is excluded is that it pertains to broader employment practices rather than direct incidents of injury or occupational hazards that employer's liability insurance is intended to cover. This distinction is significant because employer's liability insurance focuses on physical injuries incurred by employees during their normal job duties, rather than claims based on discriminatory practices which require different coverage.

In contrast, the other options listed, such as injuries sustained during work, accidents happening off the clock, and workplace safety violations, involve scenarios that may be covered or addressed in various ways under the employer's liability or workers' compensation provisions, depending on the circumstances. Thus, racial discrimination stands out as a clear exclusion within the context of employer's liability insurance.