What types of claims are typically not covered by workers' compensation insurance?

Workers' compensation insurance is designed to provide coverage for employees who are injured or become ill due to their work. However, there are certain types of claims that are generally excluded from this coverage. Claims that arise from intentional injuries, which are injuries that an employee inflicts on themselves or others with intent, are typically not covered because the purpose of workers' compensation is to provide a safety net for accidents and unforeseen events, not for actions that are deliberate and voluntary.

Additionally, claims arising from injuries caused by drug use are also excluded from coverage. This is because workers' compensation policies generally include stipulations that health and safety should be maintained in the workplace, and being under the influence of drugs can be viewed as a violation of that requirement. If an injury occurs while an employee is impaired due to drug use, it complicates the incident and often disqualifies the employee from receiving benefits.

Understanding these exclusions helps clarify the limitations of workers' compensation, emphasizing that it is designed primarily for accidental injuries and occupational diseases, rather than for claims tied directly to employee behavior or misconduct.