财产保险基础第 272 / 531 题
A restaurant's kitchen burns and the owner also loses six weeks of profit while it is rebuilt. The lost profit is an example of:
a.An indirect, consequential loss
b.A liability loss to a third party
c.An excluded speculative business risk
d.A direct loss to business property
解析
Direct loss is the physical damage the peril does to the property itself; indirect or consequential loss is the financial harm that follows from that damage, such as lost net income and continuing expenses during the shutdown. Business income coverage exists precisely because the property forms pay for the burned kitchen and stop there. Calling it a liability loss confuses harm the owner suffers with damages the owner owes to someone else.
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