Which situation is NOT a type of subrogation claim?

Subrogation is a legal process that allows an insurer to pursue a third party that caused an insurance loss to the insured. This process typically occurs in situations where the insurer pays for a loss and then seeks reimbursement from the party responsible for that loss.

Among the presented choices, the situation that does not commonly involve subrogation claims is the use of a supplier. When a company utilizes a supplier, it is typically engaged in a contractual relationship regarding the provision of goods or services, rather than dealing with situations that directly lead to a loss or damages that might trigger a subrogation claim. Subrogation claims usually arise in contexts such as the use of a vehicle, where accidents can occur, or issues related to the use of a product, where defects may lead to injury or damage.

In contrast, the use of premises often relates to liability claims in the context of injuries occurring on a property owned by another party, which can indeed lead to subrogation when an insurer seeks compensation after covering the cost of injuries or damage. Thus, the nature of supplier relationships does not align with typical instances where subrogation is sought.