Insurance carriers are concerned about “moral hazard,” which occurs when the existence of insurance encourages risky behavior. Strategies that insurance carriers might consider to minimize “moral hazard” include all of the following EXCEPT:

	A.	writing insurance policies with zero deductibles and co-payments
	B.	requiring cyber policy holders to back-up critical files off-site.
	C.	requiring the insured to minimize damages following an insured claim.
	D.	requiring policyholders to prove that they were not negligent in allowing a cyber-incident