Most Insurance Companies Will Not Insure Property with a Known

Most insurance companies will not insure property with a known landslide hazard.Why?

A) The risk is negligible on human time spans,but they are unwilling to take the risk because of liability.
B) The risk is high on human life time scales,and the hazard is difficult to assess.
C) They are known to always occur during major disasters like earthquakes and hurricanes,and they don't want the exposure to a large disaster.
D) They are just being cheap.