Janine's hair salon was already having a bad year when a client slipped, broke her hip, and sued the salon for $$100,000.$ Relieved that she had just purchased an excess liability policy last month, Janine hopes she can use that, leaving her base liability policy untouched. This is not possible because:

A$.$ Janine's excess Liability policy is a Stand Alone policy.

B$.$ there is an imposed waiting period of $45$ days for all excess liability policies.

C$.$ all excess liability policies have a $10\%$ per occurrence clause.

an excess liability policy pays only when the base policy limit has been exhausted.