Which of the following is an added value service a broker may offer?

The option highlighting business continuity plans is considered an added value service that a broker may offer because it directly addresses the needs of clients in managing risks and ensuring they can maintain operations in the event of unforeseen circumstances. By assisting clients in developing comprehensive business continuity plans, brokers help them identify potential vulnerabilities and create strategies to minimize disruptions. This service goes beyond traditional insurance offerings and demonstrates a broker's commitment to enhancing client relationships and supporting their overall business resilience.

Other options, while potentially useful in certain contexts, do not fully encapsulate the concept of added value services. For instance, direct client billing might streamline payment processes but does not fundamentally enrich the broker-client relationship. Similarly, limited insurance options restrict client choice and do not offer additional benefits. Basic risk assessments, although helpful, typically form part of standard practices rather than an enhanced service. Thus, business continuity plans stand out as a proactive service that showcases a broker's dedication to comprehensive risk management.