Which of the following scenarios would not be covered under a WC policy for injury?

The scenario where an intoxicated employee injures an innocent bystander because of horseplay would typically not be covered under a Workers' Compensation (WC) policy. Workers' Compensation is designed to provide benefits to employees who suffer job-related injuries or illnesses. However, coverage is contingent upon certain conditions, including that the injury occurs in the course and scope of employment.

In this case, while the intoxicated employee was involved in an incident during work hours, the key factor is that the injury occurred to a third party, not the employee. WC policies are primarily intended to protect employees and their workplace-related injuries, not to cover liability for injuries inflicted upon others due to reckless behavior, such as horseplay while under the influence of alcohol. Therefore, this scenario falls outside of the scope of coverage offered by a typical Workers' Compensation policy.

In contrast, the other scenarios involve injuries directly to employees in circumstances that can be reasonably related to their employment, thus typically qualifying for coverage under WC provisions.