Workers' compensation insurance generally excludes injuries that do not arise out of or in the course of employment, such as those sustained while committing a serious crime, engaging in unauthorized intentional self-harm, or participating in recreational activities entirely disconnected from work duties. Injuries caused predominantly by being under the influence of alcohol or non-prescribed drugs outside of work specifications, or injuries resulting from gross and willful misconduct by the employee, are also typically denied statutory coverage under standard legislative provisions.
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