Which of the following is not covered by workers compensation insurance?

Workers' compensation insurance is designed to provide benefits to employees who sustain injuries or illnesses as a result of their work. It typically covers medical expenses related to the treatment of job-related injuries, lost wages due to time off work, and rehabilitation costs to help workers recover and return to their jobs.

The correct answer highlights that loss of property use is not covered by workers' compensation insurance. This type of insurance primarily focuses on the employee's injury and related medical costs rather than property damage. Therefore, if an employee's personal property is damaged in the course of work—such as if their tools or equipment are lost or broken—those damages would not be addressed under workers' compensation. Instead, property damage claims would generally need to be pursued through other forms of insurance or legal action, depending on the circumstances.

This understanding clarifies the scope of workers' compensation coverage and emphasizes its focus on the well-being and financial support of employees rather than property issues.