Anna was reviewing an all-lines submission for SP Markets. SP Markets owns and operates 5 small grocery stores located in the suburbs of Boston. The stores all seem to be well maintained and clean. While the overall loss experience on the account is good relative to the indicated premium, the loss runs show a frequency of small general liability claims from customer slips and falls. Rather than reject the application for SP Markets, Anna would like to suggest a coverage modification to the producer that could make the application acceptable and possibly add value for the insured. Which one of the following is a good coverage modification for Anna to suggest?
a. Propose the general liability coverage at a lower premium level, but apply a small deductible.
b. Increase the general liability coverage limits to compensate for the frequency of small claims.
c. Exclude general liability coverage altogether from the policy.
d. Offer additional coverage options unrelated to general liability to offset the risk of small claims.