Pamela owns and operates a small retail food store in a suburban shopping center. The store is insured for liability coverage under a businessowners policy. Explain whether the following situations are covered under Pamela’s busi- nessowners policy. Treat each situation separately.

a. A clerk accidentally injures a customer with a shop- ping cart. Both Pamela and the clerk are sued.

b. A customer slips on a wet floor and breaks her leg.

c. Pamela has a customer arrested for shoplifting. The customer is innocent and sues for damages.

d. A woman returns a spoiled package of gourmet cheese and demands her money back.