which one of the following statements is correct with respect to surplus lines insurers' operations? select one: a. generally, claims on surplus lines accounts are relatively straightforward and require no special expertise. b. because of surplus lines insurers' flexibility, their marketing and underwriting are simpler than those of admitted insurers. c. the expertise of a surplus lines insurers' underwriters may influence the classes of business the insurer writes. d. surplus lines insurers do not grant binding authority to surplus lines intermediaries, so they underwrite all submissions internally.
