Concept:The principle of contribution applies when the same property or risk is insured with more than one insurance company.Explanation:If a loss occurs, the insured cannot recover more than the actual value of the loss from all policies combined.Under contribution, each insurer pays only its proportionate share of the claim.This prevents the insured from making a profit out of the loss by claiming from multiple companies.The principle of indemnity limits recovery to the loss value, but contribution specifically divides that liability among several insurers.Answer:B. contribution