Question

There are four types of hazards that cause a loss. An insured failing to salt and shovel her sidewalk after a snowstorm presents what type of hazard

Answer 1

The type of hazard presented by an insured failing to salt and shovel her sidewalk after a snowstorm is; Morale hazard.

Discussion:

A hazard in the context of insurance describes anything that increases the potential for the occurrence of a loss. (An unintended, unforeseen event that causes injury to an insured or damage to property)

On this note, hazards are classified as one of four types:

• Physical hazards.

• Legal hazards.

• Moral hazards.

• Morale hazards.

A morale hazard, results from unintentional carelessness or laziness just as in the case described in the question.

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