An Insured Has Noted on Its Insurance Application That Its

Multiple Choice

An insured has noted on its insurance application that its restaurant has a wood fireplace,but it has omitted to comment that occasionally escaped sparks can cause a fire risk.Why would the insured be considered as having complied with its duty to disclose?

A) The insured has to be in a position to fully assess the risk.
B) The insurer has been candid and forthcoming.
C) The insurer is expected to be worldly wise.
D) The insured has to show personal judgement.