What coverage is NOT included by premises liability insurance?

Premises liability insurance is designed to protect property owners against claims for bodily injury and property damage occurring on their premises. One important aspect of this coverage is that it typically pertains to incidents involving visitors to the property, where the owner may be found negligent. Therefore, visitor injuries due to negligence are covered under this type of insurance.

The key aspect that is not included in premises liability insurance is related to employee injuries sustained on the job. These situations usually fall under workers' compensation insurance, which covers employee injuries, not premises liability. It's also worth noting that non-visitor extreme weather injuries are generally not covered as premises liability insurance focuses on incidents involving visitors rather than environmental factors affecting non-visitors, such as bystanders or individuals not engaged in activities on the property.

In addition, damage to the property itself is not protected under premises liability insurance. This coverage primarily addresses injuries to individuals rather than losses or damages to the insured property. Therefore, option C correctly identifies the type of situation not included in premises liability insurance, highlighting the limitations of the coverage in regards to injuries resulting from extreme weather that occur to individuals not classified as visitors.