Mini-Case the Bookworm Is a Bookstore and Café Located on a a Busy

Mini-Case
The Bookworm is a bookstore and café located on a busy downtown main street in
Denver. The owner, Waata Reader, prides himself on the vast selection of books available in the store. The store has three stories, with both stairs and an elevator to each level. In the back of the first floor is the café, which serves pastries and coffee drinks. Many times customers will linger there over a cup of coffee, deciding which book to purchase. Waata has expanded several times and now has 22 people on the staff.
-Bookworm sales have been down for the last year due to new competition from a national chain and Waata is understandably concerned. He recently called his insurance agent to see if this downturn in sales was covered by his business policy. The agent, WillB. Safe, told Waata:

A) he could submit a claim and most likely the company would cover it.
B) market risks are uninsurable and in fact, his business policy does not cover those.
C) personal risks such as the decrease in his store's sales are not insurable.
D) the company would definitely cover Waata's losses.