Pamela owns and operates a small retail food store in a suburban shopping center. The store is insured for liability coverage under a business owner's policy. Explain whether the following situations are covered under Pamela's business owner's policy. Treat each situation separately.
a. A clerk accidentally injures a customer with a shopping 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.