Which of the following is true about the relationship between the Occurrence and the Claims made forms? A: They cost about the same in premium for equivalent coverage and limits. B: When a switch is made from occurrence to claims made with no coverage gap, there can be no duplication of coverage between the two forms. C: A claims made policy may have to pay for a loss that occurred prior to the retroactive date. D: An occurrence policy may have to pay a claim for which the initial exposure to loss occurred after the retroactive date