Zerkes is the claims manager for the Seattle Zoo. He has been keeping data on the various types of losses that the zoo has incurred. His purpose is to learn which losses may have the greatest impact. Zerkes' broker suggested that he maintain separate claim records of the direct and indirect losses. Which of the following losses are considereddirectlosses?

Select one:

a.Lost worker productivity after a claim

b.The increase in next year's insurance premiums

c.The loss of use of damaged physical assets

d.The cost to repair damaged property