The answer from this question in chapter seven appears wrong.  On page 109 of the state manual "indirect" hazards may be answers A or C.  Answer D is an example of a "direct" hazard.   The course say the correct answer is A alone.   Can anyone provide me some clarification.

What is an example of a business's liability for the existence of "indirect" hazards?

Choose one answer.

	A. The business being held liable for actions of an independent contractor to whom the insured has subcontracted a part of the general contract work.
	B. All of the answers are correct
	C. The business being held liable for liability ordinarily belonging to another, but the business agreed by contract to indemnify or hold harmless one whose direct actions produced the claim.
	D. A person being injured by an allegedly unsafe condition in premises owned or occupied by the insured.