保险基本原理第 221 / 531 题
A restaurant owner faces the chance that a kitchen fire destroys the building and the chance that a second location earns or loses money. An underwriter will consider only the fire exposure because:
a.the earnings exposure is a peril the policy defines away
b.the fire exposure is a pure risk, holding out loss or no loss
c.the earnings exposure is a physical hazard, not a real risk
d.the fire exposure is a speculative risk a large pool absorbs
解析
Insurers underwrite pure risk, where the only outcomes are a loss or no loss. The second location is a speculative risk because it can also produce a gain, and paying for that would turn insurance into an investment. Calling the earnings exposure a physical hazard confuses a tangible condition that raises the chance of loss with a business decision taken for profit.
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