保险基本原理第 216 / 531 题
Which type of risk is insurable by a property and casualty insurer?
a.Speculative risk, since it carries a chance of gain
b.Market risk, since price movements are predictable
c.Pure risk, since it carries only a chance of loss
d.Dynamic risk, since it shifts with the economy
解析
Insurers cover pure risk, which is a situation with only two possible outcomes: a loss or no loss, with no possibility of gain. Speculative risk (such as gambling or investing) includes a chance of gain and is not insurable, because insurance is meant to restore a loss, not create profit. Market and dynamic risks generally involve speculative elements and broad economic change that are not suited to insurance pooling.
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