Match each risk scenario with the correct insurance classification.
- A struggling concert venue owner hires someone to deliberately damage the sound equipment to claim a total loss.Moral Hazard
- A lightning strike causes a sudden power surge that destroys several expensive servers in a data center.Peril
- A delivery driver consistently leaves the delivery van unlocked with the engine running while dropping off packages, assuming the company's auto policy will cover any theft.Morale Hazard
- An apartment building features an aging wooden staircase with significant dry rot that the landlord has not yet replaced.Physical Hazard
Cevap
The concert venue owner's actions constitute a Moral Hazard. The lightning strike is a Peril. The delivery driver's actions represent a Morale Hazard. The aging staircase represents a Physical Hazard.
Each scenario illustrates a distinct risk principle: lightning is the active peril causing the loss; dry rot is a physical hazard because it is a tangible property condition; intentional damage is a moral hazard rooted in dishonesty; and leaving a vehicle running is a morale hazard rooted in carelessness.
Adım Adım Çözüm
Anahtar Kavram
Distinguishing between perils (causes of loss) and the three types of hazards (physical, moral, and morale) that increase the frequency or severity of a loss.