Cơ bản về bảo hiểm tài sảnCâu 275 / 531
Which of these parties holds an insurable interest in a commercial building?
a.A lender holding a mortgage on it
b.A prior owner who sold it last year
c.A contractor who bid on the job
d.An insurer's appointed loss adjuster
Giải thích
Insurable interest means standing to suffer a financial loss if the property is damaged, and a mortgagee's loan is secured by that building, so the lender plainly qualifies. A seller gives up that interest at closing, which is why a prior owner cannot collect on a fire the following year. A losing bidder and an adjuster have a business relationship with the property rather than a financial stake in whether it survives.
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