What Rule of Construction Is Followed in Interpreting the Language

What rule of construction is followed in interpreting the language of an insurance policy that is considered to be ambiguous?

A) That the policy should be interpreted to deny coverage to as many employees as possible.
B) That the policy should be interpreted against the insurance company and in favor of as many employees as possible.
C) Courts are not allowed to interpret insurance policies.
D) That the policy should be interpreted in favor of the state, whenever possible.