Bernice Is an Underwriter

Bernice is an underwriter.She is reviewing a commercial crime coverage application.The coverage will be written using the discovery form.Bernice is concerned that a large undiscovered loss may exist prior to the policy's inception date.Which provision should Bernice add to the policy to protect the insurer against liability for such previous losses?

A) extended reporting endorsement
B) loss sustained during prior insurance provision
C) waiver of inventory provision
D) retroactive date endorsement