Which of the following coverages is typically included with Workers Compensation?

Workers' compensation insurance is designed to provide wage replacement and medical benefits to employees who are injured in the course of their employment, while also protecting employers from legal liability. Typically, clerical workers are included in standard workers' compensation coverage because they perform functions that are considered to be part of the business's regular operations and are classified as employees under labor laws.

Clerical workers generally work in office environments, handling administrative tasks that support the organization. They fall under the category of employees who are entitled to workers' compensation benefits in case of a workplace injury or illness.

In contrast, administrative personnel may or may not be covered depending on their classification and the specific provisions of the workers' compensation policy. Independent contractors, while often performing work for a business, are not typically considered employees and therefore do not qualify for workers' compensation benefits under standard policies. Executive officers, particularly in smaller companies, may have different coverage arrangements or exclusions due to their role and ownership stake in the business.

Thus, clerical workers being included reflects their status as employees under workers' compensation laws, ensuring they receive necessary protections in the event of workplace injuries.