Austin Stone Products has a high frequency of minor injuries due to cuts and bruises suffered by employees handling and installing its products. Austin Stone is located in a state that does not approve the use of a workers' compensation deductible. However, an underwriter for Colossal Casualty suggests the development of a first-aid folder. This proposed plan would offer Austin Stone all of the following EXCEPT:

a. The insured's claim payments are not included in loss data for experience rating.

b. The insurer pays reduced handling charges because it is not involved in handling small claims.

c. The insured's workers' compensation premium for the current policy term is reduced.

d. The insured can pay all claims up to some specified amount, such as $250.