The Advantages of Private Commercial Insurers Over State Funds and Self-Insurance

The advantages of private commercial insurers over state funds and self-insurance in the workers' compensation field include all but one of the following:

A) Private insurers offer more certainty in handling out-of-state claims than do other methods,
B) The services rendered by private insurers are generally better than those rendered by state funds,
C) Contributions in private insurance are tax deductible,
D) The insured has a choice of how much risk to transfer in private insurance plans,
E) Private insurers do not bother with experience rating and retrospective rating.