Chip is a volunteer worker at his church’s mid-week adult daycare facility. He accidentally spilled hot coffee on one of the elderly participants, Mary. After being treated for third-degree burns, Mary sued both the church and Chip for damages resulting from her injury. The church is insured under the Commercial General Liability (CGL) policy. Which one of the following statements is true?

(A) The church cannot be sued because it operates the adult daycare facility as a charity at no charge to participants.
(B) Mary cannot sue the church because she voluntarily participated in the adult daycare program.
(C) No coverage applies because the CGL only covers commercial businesses.
(D) Only the church would be covered by the CGL as a named insured.
(E) Both the church and Chip would be covered as insureds under the CGL policy.