You oversee the health insurance program at a local physicians office. The office has 5 family practice doctors with 4 nurses and 2 office staff members. The office is independent so it must provide full insurance coverage,independent of any parent company. the office also has a van for transporting supplies and patients to a local medical center to group conferences and etc. discuss the types of insurance available for employees and for the van / passengers / driver please recommend one type for each and justify your recommendation.