In which of the following instances does the insurance company have a duty to defend their insured. The insurance policy; 1. has a deductible that is less than the potential claim II. has self insured retention that is less than the potential claim III. has a deductible greater than the potential claim IV. has a self insured retention that is greater than the expected claim a. I & III O b. ll & IV O c. I, II, 111 O d. None of the above