37. Gerald's supervisor reprimands him for being late to work. Later in the day, still angry, Gerald intentionally drops bricks from a sixth-floor scaffold, injuring not only his supervisor, but two pedestrians. The supervisor collects workers compensation, but the two pedestrians sue Gerald and his employer, Lester Contractors, for their injuries. Lester's CGL insurer denies coverage for the claims against Gerald, citing the intended or expected injury exclusion. How will it respond to the claims against Lester?

• a. The policy will respond to the claims against Lester because the actions of one insured are not imputed to other insureds under the CGL policy.
• b. The policy will not respond to the claims against Lester because the acts of one insured apply collectively to all insureds.
• c. The policy will apply to the claims against Lester only if Lester was not negligent in its hiring or supervision of Gerald.
• d. The policy will not respond to the claims against Lester because as Gerald's employer, Lester is bound by Gerald's actions.