The problem with the blanket approach to additional insured coverage in insurance policies is that

• a. it leaves room for controversy and conflict in situations when the policy language does not unambiguously fit the circumstances of a particular loss.
• b. many organizations that should be provided additional insured status are left out.
• c. not enough of the exclusions apply to the coverage afforded to the additional insured.
• d. too many exclusions apply to the coverage afforded to the additional insured.