Zoya operated a store in premises rented from peerless. the lease required zoya to maintain liability insurance to protect zoya and peerless. caswell entered the store, fell through a trap door, and was injured. she then sued zoya and peerless on the theory that she was a third-party beneficiary of the lease requirement to maintain liability insurance. was she correct? [caswell v. zoya intl, 654 n. e.2d 552 (ill. app.)]