Deli Manufacturing makes windows. All windows are manufactured on the premises and are shipped to wholesalers, retailers, and consumers using company vehicles. To protect against liability claims, the company bought commercial general liability insurance (with products liability and completed operations coverage), workers compensation and employer liability insurance, and business auto coverage. Are the following claims covered, and if so, under which policy?

a) A Deli Manufacturing delivery vehicle failed to yield the right of way and hit a school bus. A lawsuit has been filed against Deli Manufacturing on behalf of the injured children. (5 marks)

b) An employee sustained a severe laceration when a window shattered. (4 marks)

c) Deli won the window contract for a new arena. The windows were custom-built and installed by Deli workers. The first time the arena hosted an event, a window fell out of its frame and injured four people. A lawsuit has been filed against Deli Manufacturing. ( 5 marks)

d) A former employee who had been fired because of repeated absenteeism and tardiness returned to Deli Manufacturing to pick up his last paycheck. While walking down a stairway, a wooden step broke. The former employee fell and sustained a concussion, a broken arm, and a broken pelvis. He has filed a lawsuit against Deli Manufacturing.