财产保险基础第 275 / 531 题
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
解析
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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