Which of the following would NOT fall under the protection of a property insurer?

Employee wages during a closure do not fall under the protection of a property insurer because property insurance typically covers physical assets and tangible property rather than payroll or operational expenses. Property insurance is designed to protect against risks related to damage or loss of physical property, such as buildings, business inventory, and the like.

For example, if a business suffers physical damage to its premises or inventory due to a fire or storm, property insurance would provide coverage to help recover or replace those assets. However, the costs associated with employee wages are considered operating expenses and are generally not covered by property insurance policies, as they are related to the business's income and its ability to pay employees during periods of closure rather than for the protection of property itself.

Liability claims from injuries on the premises, while also important, fall under general liability insurance, which is distinct from property insurance. Therefore, the categorization of employee wages as an exclusion from property insurance coverage is accurate, making this choice the correct one in the context of what property insurance offers.