保险基本原理第 224 / 531 题
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
解析
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.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- 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:
- An insurer that writes 60,000 similar small commercial buildings predicts its yearly fire losses far more closely than one writing 600. The reason is:
- A roofing contractor with three large liability claims shops hard for coverage while claim-free roofers renew quietly. An underwriter who prices the whole class alike is exposed to:
- A trucking firm carries a large self-insured retention because minor cargo scuffs happen weekly and each one costs very little. This choice is best described as:
- Which characteristic of a loss exposure makes it hard for a private insurer to insure?
- Describing an insurance policy as an aleatory contract means that:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对