As a high school gym teacher, Joseph realizes that students might accuse him of doing something that physically harms a student. In which of the following situations would the liability coverage of Joseph$$s unendorsed renters policy apply?

a$.$ A member of the football team blames Joseph for the concussions he suffered while practicing without a helmet.

b$.$ A member of the swim team sustains second$-$degree burns when she trips and falls against a barbecue grill during a team party in Joseph$$s backyard.

c$.$ A student in his gymnastics class accuses Joseph of making unwanted sexual advances.

d$.$ A student states that Joseph spanked her when she refused to obey his instructions.