State law does not require workers compensation insurance for the Coopers' domestic employees. However, their insurance agent informs them that voluntary workers compensation coverage is available. Which of the following is not a good reason for the Coopers to consider voluntarily providing this coverage?

• a. Regardless of workers compensation laws, a homeowners policy does not cover injuries to domestic employees.
• b. The liability coverage limit in the Coopers' homeowners policy might not be high enough to cover serious injury or disability of the employee.
• c. The workers compensation policy includes disability payments coverage.
• d. The workers compensation policy provides unlimited medical expense coverage in most states.