With respect to structuring a layered liability program, which one of the following statements is correct? Available answer options Select only one option A The terms working layer and buffer layer are often used interchangeably by insurance practitioners. B The primary and umbrella layers are generally referred to as the working layers because these are the layers most often called on to pay losses. C It is most common to find a true umbrella policy in the higher layers of an excess liability insurance program. D The buffer layer is usually self-insured in a layered liability insurance program