Think about the entities and individuals involved in the process for an employer to obtain workers' compensation insurance. Which of the following entities or individuals act as a middle-person and has the employer as their/its client? (HINTS: 1. This entity/individual presents quotes for insurance options to the employer. 2. We referred to these entities and individuals as "the players" in class.) A. Agent or Broker B. Insurance Commission or Commissioner C. Employer D. Carrier