10. What, if anything, is the primary difference between an excess liability policy and an umbrella liability policy? A. While both policies provide excess limits, an umbrella policy may also provide coverage not available in the underlying policies. B. While both policies provide excess limits, an excess policy may also provide coverage not available in the underlying policies. C. There is no difference; these are just two terms for the same type of policy. D. Usually an excess liability policy carries a higher premium than an umbrella policy. 11. To determine whether the Workers Compensation and Employers Liability Insurance Policy and related endolsements would cover a given claim, an insurance professional would first review the declarations page to A. Determine whether the policy is subject to audit. B. Determine the address of the insured. C. Determine whether any special policy conditions might apply. D. Determine whether the incident giving rise to the claim occurred during the policy period