Nichole is in the market for a different homeowners policy. Her insurer will not renew her current policy after paying a dog bite claim involving her dog Phido. Nichole insists that Phido is a gentle dog who had been provoked. Dena would like to gain Nichole as a client for her agency. What might Dena suggest making Nichole's homeowners application acceptable to an insurer Dena represents?

$($Search Chapter $4).$

a$.$ Ask the insurer to issue a policy with a Canine Liability Exclusion $($HO $2477)$ endorsement that precludes coverage for Phido, and tell Nichole to control her dog because future dog bites will not be covered

b$.$ Nothing; no standard endorsement would make this an acceptable risk.

c$.$ Suggest Nichole get rid of Phido and thereby avoid the exposure to future Phido$-$related losses.

d$.$ Threaten to sic Phido on the underwriter unless a policy is issued