You are a claims handler for a liability insurer. One of the insurer's policyholders, UFY Ltd, has a combined liability insurance policy. UFY Ltd owns and operates a chain of supermarkets. UFY Ltd has notified you of a claim at one of its supermarkets, with the following facts: Trish, an employee, was hired to stack shelves in the supermarket. UFY Ltd did not provide any training for Trish and made no enquiries regarding her previous employment experience. While Trish was outside the supermarket, during her break, a lorry arrived containing a delivery for the supermarket. Trish decided to help with unloading the delivery from the lorry. Trish located a nearby forklift truck (FLT) to assist with unloading the delivery. Trish reversed the FLT into a public road and collided with a minibus carrying passengers. Trish was injured in the collision. Injuries were also caused to the passengers of the minibus.

(a) Discuss UFY Ltd's potential liability for the injury to Trish. Refer to one relevant statute in support of your answer. (12 marks)

(b) Explain, with justification, UFY Ltd's potential liability for the minibus passengers' injuries.

Refer to one relevant statute in support of your answer. (8 marks)