Principios Generales de SegurosPregunta 224 de 531
A survey of an older warehouse finds brittle wiring and a blocked exit door. In insurance terms these two conditions are:
a.physical hazards that raise the chance a loss will occur
b.perils, because they are the direct cause of any later fire
c.moral hazards, since the owner might profit by a fire
d.morale hazards created by the owner's indifference to safety
Explicación
A peril is the cause of loss itself, such as fire; a hazard is a condition that makes the loss more likely or more severe. Brittle wiring and a blocked exit are tangible conditions, so they are physical hazards. Morale hazard is carelessness that grows out of having insurance, and moral hazard is outright dishonesty such as arson, neither of which is a physical condition of the building.
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