Justine, an underwriter at NewWorld Insurance is working with her company's premium auditing department. Which one of the following is true regarding this collaboration? Available answer options Select only one option A Premium auditors, by observing employees and operations, can provide insights for underwriting the account. B Auditors will identify morale hazards such as questionable business practices or a failing business. C A premium audit conducted at the beginning of the policy period can reveal any necessary classification changes. D Premium auditors can be particularly helpful with classifying personal accounts rather than commercial ones