What type of coverage addresses claims of unfair discrimination or harassment by non-employees of an organization?

The correct option relates specifically to claims that arise when non-employees allege unfair discrimination or harassment by an organization. Third-party discrimination coverage is designed to protect businesses from claims made by individuals who are not employees but may be affected by the organization's policies or actions. This coverage includes scenarios such as customers, vendors, or visitors who could experience discrimination based on protected characteristics like race, gender, or sexual orientation.

This type of coverage is significant because it extends liability protection beyond the traditional employer-employee relationship, recognizing that an organization can face legal repercussions from actions that affect the broader public or third parties. This is crucial for organizations seeking to uphold their reputations and comply with anti-discrimination laws.

While the other options address various liabilities or risks faced by an organization, they do not specifically encompass the unique challenges posed by claims from non-employees regarding discrimination or harassment. For instance, workplace violence coverage typically deals with incidents of violence affecting employees, reputation management focuses on mitigating damage to the organization's public image, and fiduciary liability coverage pertains to responsibilities related to managing employee benefits and retirement plans. None of these options address the specific scenario of third-party discrimination claims.