What type of damage is typically excluded from employment practices liability coverage?

Employment practices liability coverage is specifically designed to protect organizations from claims made by employees related to their employment. This includes issues like discrimination, wrongful termination, sexual harassment, and other workplace-related claims. These are all risks that fall under the purview of employment practices liability insurance (EPLI).

The type of damage that is typically excluded from this type of coverage relates to property damage claims. EPLI specifically targets claims arising from employment-related issues rather than physical asset damage. Property damage claims involve losses or damages to tangible items and fall under different types of insurance, such as general liability or property insurance. Thus, those claims are not covered by employment practices liability coverage, making this the correct answer.

Discrimination, wrongful termination, and sexual harassment are considered direct employment practices issues and would generally be included under EPLI coverage. Workplace safety violations also do not fit within the scope of employment practices liability, as they are typically covered by workers' compensation and other safety regulations rather than employment practices insurance.