21. Which one of the following types of organizations would most likely select the Extra Expense Coverage Form? A. An organization that would sustain a high business income loss due to a suspension of operations B. An organization, like a hospital or physicians' practice, that must continue to operate despite sustaining a loss C. An organization that does not have a contingency plan to recover from a loss D. An organization that can easily afford to shut down for an extended time following a loss 23. The owners of GIFTS, a retail store, have been advised by their insurance agent to purchase extra expense coverage for the store. What would be the best reason the agent could use to convince GIFTS' owners of the need for this coverage? A. To be able to rebuild their building and replace its contents after a loss B. To continue to serve their customers after a loss C. To provide income during a period of interruption D. To avoid any coinsurance penalties after a loss