Which of the following is NOT covered by standard workers' compensation policies?

Workers' compensation policies are designed to provide benefits to employees who suffer work-related injuries or illnesses. These benefits typically include medical expense benefits, indemnity benefits, and burial benefits, ensuring that employees receive necessary care and support when injured on the job.

The primary function of workers' compensation is to provide a no-fault system of benefits, which minimizes the need for litigation; therefore, standard workers' compensation policies do not cover lawsuits brought by the employee against the employer. This limitation is essential because workers' compensation is intended to streamline recovery for injured workers while protecting employers from extensive legal liabilities. The system aims to facilitate faster recovery and compensation without the complications of lawsuits, which can consume significant time and resources for both parties involved.

By offering direct benefits such as medical expenses, indemnity for lost wages, and even burial benefits for fatalities, workers' compensation fulfills its role without involving court actions initiated by employees, making coverage for lawsuits inappropriate within standard policy frameworks.