Which of the Following Explains Why Insurance Companies Have Separate

Which of the following explains why insurance companies have separate divisions within its underwriting department for personal lines, group lines, and commercial business?

A) The method of forecasting and calculating frequency of losses is different in each type of insurance.
B) The legal procedures are different in each type of insurance.
C) The criterion to assign insureds into their appropriate risk pool for rating purposes is different for each type of insurance.
D) The level of expertise in group and commercial lines are much higher than those of personal lines, which include individuals.
E) The level of reserves needed for each type of insurance is different and should be kept separately for effective handling of funds.