In what scenario would employer's liability coverage under a standard WC Policy apply?

Employer's liability coverage under a standard Workers' Compensation policy applies specifically to claims that originate from situations outside the coverage of Workers' Compensation Law. This includes, for example, injuries or claims that do not fall under the statutory WC framework, such as those resulting from intentional harm, where negligence or wrongful acts may be cited by the employee against the employer.

In scenarios that fall under the scope of WC Law—such as employee injuries during the course of employment—employers are generally shielded from lawsuits due to the exclusivity of the Workers' Compensation remedy. Additionally, claims resulting in death might still be handled within the confines of the WC system and not require employer's liability coverage.

Lastly, workplace safety violations do not typically invoke employer's liability coverage directly; rather, they are regulated through OSHA and other workplace safety statutes, making option C the most appropriate scenario for employer liability coverage under a standard Workers' Compensation policy. The coverage serves to protect employers from tort claims that might arise from incidents that are not adequately handled by traditional WC policies.