Which type of claims are generally not covered by Workers' Compensation policies?

Workers' Compensation policies are designed to provide coverage for employees who suffer injuries or illnesses as a result of their job. Workplace accidents and occupational diseases are typically included under this coverage, as they directly relate to the work environment and duties. Injuries from unsafe conditions also fall under the purview of Workers' Compensation, as these conditions can lead to accidents that occur during the course of employment.

However, personal injuries that result from horseplay are generally excluded from coverage. This is because horseplay is considered a deviation from an employee’s work duties and can occur during personal time or outside of the scope of work-related activities. Since Workers' Compensation is intended to cover injuries that arise from work-related activities and responsibilities, injuries resulting from horseplay do not meet this criterion. Therefore, option C correctly identifies a type of claim that would typically not be covered by a Workers' Compensation policy.