The Local Franchise of a National Bar and Grill Chain

The local franchise of a national bar and grill chain continued to serve a drunk customer.The drunk customer tried to drive home.He hit and killed two people who were riding bicycles.The representatives of those who were killed filed a lawsuit against the national chain.As jury awards in the area where the incident occurred are high,insurers selling liquor liability insurance refused to issue new coverage until the case was resolved.Because no admitted insurers sell the coverage,liquor liability insurance in this case is considered a(n)

A) residual line.
B) mandatory coverage.
C) orphan policy.
D) surplus line.