Francisca owns and operates a small photocopy center in a suburban shopping center. Francisca protected herself for workers job related-injury or occupational disease by purchasing a worker’s...

Francisca owns and operates a small photocopy center in a suburban shopping center. Francisca protected herself for workers 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 in the head when suddenly a box of papers fell off the shelves.

b. A photocopier that are run for extended periods of time got extremely hot 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 his turn sues Francisca for failure to enforce safety rules.

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