Rocky Road Construction is looking at risk financing options for their workers\' compensation insurance. The two types of programs that they are considering are individual self- insurance and a large deductible program. All of the following are advantages of implementing a large deductible plan rather than self-insurance, EXCEPT:
A. Higher startup costs.
B. No need for regulatory approval.
C. No need to meet state and insurer financial requirements.
D. Certificates of insurance that are easier to provide.