Vicki Wilson owns Vicki’s Vettes (VV), an S corporation. VV is an automobile restoration business working exclusively with pre-1968 Chevrolet Corvettes. Her business overhead is $30,000 per month. She is the rainmaker for the business and, without her, there would be a cash flow shortfall. What should Vicki do to manage the risk of business overhead expenses should she become disabled?

A. Purchase individual disability insurance/premium deductible by the business.

B. Purchase individual disability insurance/premium is not deductible by the business.

C. Purchase a business overhead insurance/premium deductible by the business.

D. Purchase a business overhead insurance/premium is not deductible by the business.