Bjorn and Karch are business partners who own and operate a very popular skateboard store in a prime downtown location. The single largest expense for the company is the mortgage payment on their store property. They are concerned that if either of them is unable to work due to disability, the other partner would not be able to maintain the mortgage obligations. They meet with Coralee, an insurance agent, to discuss options. They tell Coralee that their primary goal is to ensure that the mortgage payments will be covered in the event that either is unable to work. Which of the following is the BEST solution for Bjorn and Karch’s insurance needs?

a) business overhead expense insurance

b) disability buyout insurance

c) key person insurance

d) business loan protection disability insurance