Which one of the following statements about defense coverage in the typical professional liability insurance policy is most accurate? Select one: A. Although defense costs are usually covered under the standard commercial general liability policy, they are typically excluded in professional liability policies. B. Although professional liability policies differ, most policies pay for defense costs as long as they fall within the limits of the policy. C. The most common provision for paying defense costs in professional liability policies is to pay them in addition to the policy limits, similar to how they are treated in the standard commercial general liability policy. D. Defense costs of up to $15,000 are payable under the standard professional liability policy as long as it is endorsed and an additional premium is paid for the coverage