15. Arlo owns and personally operates a commercial paving businest, gerving shops, plazas and small businessed in his area. The busireas has these fue time employecs and two part-time frontend loader operators, all of whom could casily be replaced, if necestary, in today's iebour markst. Arlo is is responsible for soliciting all new business and petsonally supervises all major projects in the field. Aside from Ario's share of the business profis, the business has a monthly payroll of $19,500. The business operates an office and equipment storage facility out of rented oommercial premises and isases all of its heavy equipment, for tax purposes. It also has a revolving line of credit for operating purposes, with a current overdraht of stz noo Which of the following types of disability insurance policy would be most appropriate for Arlo to purchase to protect the business? A hey person policy on each of his front-loeder operators: A personal disabizity policy on tha payable to Aflo. A business ioan protection pian on Arlo. A business overhead expense policy on Arlo