The insurance agent for Shelton Brothers suggested that the company consider a Directors and Officers (D&O) / Employment Practices Liability (EPL) combination policy. Which one of the following statements best describes a characteristic of (D&O/EPL combination policies? Available answer options Select only one option A Some insurers provide separate aggregate limits for each coverage or provide an option to purchase reinstated aggregate limits if the original limits are exhausted. B Combination policies are more expensive and may cause conflicts about which policy applies to a particular claim. C Small closely held companies, not-for-profit organizations, and public entities usually are unable to obtain policies that combine EPL coverage with a D&O policy. D EPL coverage included in D&O policies is broader than that found in stand-alone EPL policies