Francisca owns and operates a small photocopy center in a suburban shopping center. Francisca has protected herself from job-related injury or occupational disease by purchasing a worker’s compensation and employer’s liability policy. Explain whether the following situations are covered under this policy. Treat each situation separately.

a. A customer got hit on the head when suddenly a box of paper sheets fell off the shelves.

b. A photocopier that is run for extended periods of time overheated and a contractual technician burned his hand while accessing the internal parts to perform maintenance.

c. A photocopier is defective, and an employee is injured. The injured employee sues the manufacturer of the machine, and the manufacturer in turn sues Francisca for failure to enforce safety rules.

d. An employee died of an electric shock while reaching into a copier to retrieve a piece of jammed paper.