Peterson Builders, Inc. renews its CGL policy on January $1,2025,$ for one year. On March $5,2025,$ Peterson forms a subsidiary, Diggin It Excavation, Inc. On April $15$ of that year, Diggin It accidentally hits a water main while digging a trench at a job site, is sued for damages by residents whose homes were flooded. Which of the following describes Diggin It's coverage for this claim under Peterson's CGL policy?

a$.$ Diggin It does not have coverage for this claim, even if an endorsement has been attached to the policy making Diggin It an additional insured.

b$.$ Diggin It has coverage for this claim only if the work was being performed at a Peterson job site.

c$.$ Diggin It has coverage for this claim unless the work was being performed at a Peterson job site.

d$.$ Diggin It is covered for this claim under Peterson's CGL policy because it has been less than $90$ days since the subsidiary was formed.