A Property Was Badly Damaged by Fire Several Months After

A property was badly damaged by fire several months after the owner had handed her premium renewal payment to her insurance broker.The owner now knows that the broker did not pass on the premium or advise the insurer that he was holding the premium.Which of the following statements is true?

A) The broker and the insurer will probably share the cost of the claim.
B) The insurer is liable to pay the claim because payment of a premium to a broker is deemed (considered) to be a payment to the insurer.
C) The broker is probably liable to pay the claim.
D) Neither the broker nor the insurer is liable but the owner is entitled to be repaid the premium plus interest.