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myrzilka [38]
3 years ago
13

QUESTION 1 A factor that increases the likelihood of a loss is known as a _______ . 1. Premium 2. Peril 3. Hazard 4. Risk 1 poin

ts QUESTION 2 When we take steps to reduce the occurrence or severity of a risk we are practicing 1. risk avoidance. 2. risk reduction. 3. risk assumption. 4. risk shifting. 1 points QUESTION 3 A situation in which a person is held responsible for the actions of another person is 1. negligence. 2. property damage liability. 3. vicarious liability. 4. comprehensive coverage. 1 points QUESTION 4 A higher deductible amount will reduce the amount paid for collision and comprehensive physical damage insurance. True False 1 points QUESTION 5 Renters property insurance would include coverage for
Business
1 answer:
Paladinen [302]3 years ago
8 0

A factor that increases the likelihood of a loss is known as a 3.<u>hazard</u>

When we take steps to reduce the occurrence or severity of a risk we are practicing<u> 2. Risk Reduction</u>

A situation in which a person is held responsible for the actions of another person is <u>3. Vicarious liability</u>

A higher deductible amount will reduce the amount paid for collision and comprehensive physical damage insurance. <u>TRUE</u>

<u />

Explanation :

  • A hazard is any factor that increases the chance of loss. A hazard is an agent which has the potential to cause harm to a vulnerable target. Hazards can be both natural or human induced. Sometimes natural hazards such as floods and drought can be caused by human activity.
  • Risk Reduction is a measures to reduce the frequency or severity of losses, also known as loss control. May include engineering, fire protection, safety inspections, or claims management.
  • Vicarious liability, also known by the Latin term respondeat superior is the holding of a person or entity responsible for damages or harm caused by someone else. The legal principle of vicarious liability applies to hold one person liable for the actions of another when engaged in some form of joint or collective activity.
  • A deductible is the amount you pay for health care services each year before your health insurance begins to pay. The lower a plan's deductible, the higher the premium. You'll pay more each month, but your plan will start sharing the costs sooner because you'll reach your deductible faster.

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