When Pete Painter changes insurance companies, his insurance broker advises him that he needs an unintentional failure to disclose hazards endorsement. This endorsement will preserve coverage for
a. Operations that existed at the policy inception date but were unintentionally not reported to the insurer.
b. Operations that commenced after the policy expiration date and were unintentionally not reported to the insurer.
c. Losses that occurred before to the policy inception date but were unintentionally not reported to the insurer.
d. Losses that occurred after the policy expiration date that were unintentionally not reported to the insurer.