The migration of insureds between the admitted and surplus lines markets is an expected occurrence. Which one of the following statements is correct with respect to that migration? The migration of insureds between the admitted and surplus lines markets is an expected occurrence. Which one of the following statements is correct with respect to that migration?

A. Many admitted insurers now write certain coverages that originated in the surplus lines market, such as umbrella liability.

B. A hard market results in the migration of insureds from surplus lines insurers to admitted insurers.

C. Insureds leave surplus lines insurers to return to admitted insurers during a hard market.

D. When admitted insurers successfully write a particular product, surplus lines insurers adjust their underwriting and pricing to complete.