Explain whether each of the following losses would be covered under Section II in the homeowners policy. If the loss is not covered, explain how coverage can be obtained.

1. The insured owns a restaurant in a large city. The insured is sued by several customers who allege they became seriously ill from a contaminated banana cream pie served at the restaurant.

2. While operating a 30-foot sailboat, the insured injures a swimmer.

3. The named insured is sued by his ex-wife, who alleges her reputation has been ruined because the insured lied about her relationship with another man.