Employers liability insurance cannot be used in litigation related to which of the following?

Employers liability insurance is designed to protect employers from costs associated with workplace injuries and certain claims made by employees resulting from those injuries. When it comes to discrimination claims, this type of insurance does not provide coverage because discrimination issues typically fall under employment practices liability insurance. This insurance specifically addresses wrongful termination, workplace harassment, and discrimination, rather than the physical injuries or accidents that employers liability insurance covers.

Furthermore, workplace injuries are very much the domain of employers liability insurance, as it directly deals with claims associated with accidents that happen on the job. Employee misconduct may also lead to claims that could be evaluated under workplace policies, but usually, the key aspects of those would not be related to physical injuries covered by the liability insurance. Contract disputes are separate entirely and relate to disputes between employers and employees over the terms of employment, which typically do not involve physical injuries or employer liability insurance.

Therefore, understanding the specific scope of employers liability insurance clarifies why discrimination claims cannot be covered under it, making this option the correct answer.