Jamea was taking her dog for a walk as she does daily. She was passing in front of Joe's house on a cold day. It was very icy, and Joe did not salt the path, so Jamea slipped and fell and was injured. She filed a claim against Joe's policies for her injuries and lost wages. We will assume Joe has an occurrence-based policy. Provide your manager with a detailed recommendation, including coverage analysis and ultimate payment, after reviewing and evaluating this claim. Will Joe's policy defend him, and if so, under what circumstances? What will Jamea need to provide or prove? Use examples as necessary to show that you understand the concept.