Explain whether each of the following losses would be covered under section II in the homeowners policy. If the loss is not covered, explain how coverage can be obtained.

a. The insured owns a restaurant in a large city. The insured is sued by several customers who allege they became seriously ill from a contaminated banana cream pie served at the restaurant.

b. A neighbor’s child falls off a swing in the named insured’s yard and breaks his arm.

c. The named insured’s dog bites a neighbor’s child and also chews up the neighbor’s coat.