A surgeon is insured under a physicians, surgeons, and dentists professional liability policy. Explain whether the following situations are covered by the professional liability policy. Treat each situation separately.
a. An office nurse gives a patient a wrong drug. Both the physician and the nurse are sued.
b. The surgeon sets the broken arm of a patient. The patient sues because the arm becomes deformed and crooked.
c. A patient waiting to see the doctor is injured when the legs of an office chair collapse.