Measuring PML for business income loss is more difficult than measuring PML for direct damage loss, primarily due to which one of the following? Available answer options Select only one option A The value of the insured property limits a direct loss. B Insurance to value (ITV) is more difficult to determine for business income coverage. C COPE factors (construction, occupancy, protection, and external exposures) are not the same. D Business income coverage does not have a time limit.