K.F.
Hi E.,
My now 3 1/2 year old went through that last year. It actually got to the point that she would trip and fall down or another child would fall and she would say "I'm Sorry"! ALL THE TIME!! THose were just 2 scenarios! Every time she said sorry for not doing anything wrong, I told her that she didn't need to and explained what to say sorry for. She eventually grew out of it fast, and now she has NO problem understanding and is just as sweet and caring as can be.
It was just a phase for us and no, I don't believe that you should say anything more then what you are doing now. She'll understand.....I promise.......she's just a sweet girl! :~)
Good, Luck,
K. :~)