Businessowners insurance is designed primarily for Select one: O a. Small businesses, O b. Medium to large businesses Oc. Restaurants O d. Manufacturing facilities Which of the following is a valid reason to purchase a separate EPL policy? Select one: O a. A separate policy will offer coverage limits that are dedicated solely to EPL claims. O b. D&O policies can protect all employees from EPL claims. OC CGL policies protect against most of the injuries typically alleged in an EPL claim. O d. EPL policies are generally quite standardized. With regard to tax liability, disability payments: Select one: O a. are exempt from FICA and FUTA taxes. O b. may count as in taxable income depending on how the policy was paid for Octax-free up to certain amounts for disability payments from policies that were purchased by the employee directly O d. considered capital gains