Smoking is an example of a _____ hazard.

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Multiple Choice

Smoking is an example of a _____ hazard.

Explanation:
Physical hazard refers to a condition or behavior that increases the likelihood or severity of a loss. Smoking fits this because it directly raises physical risks—such as the chance of a house fire and adverse health outcomes—connected to the person or property. It’s not about someone’s behavior after a contract (moral hazard), nor about environmental dangers in the surroundings (environmental hazard), nor about financial factors (financial hazard). So smoking is best described as a physical hazard.

Physical hazard refers to a condition or behavior that increases the likelihood or severity of a loss. Smoking fits this because it directly raises physical risks—such as the chance of a house fire and adverse health outcomes—connected to the person or property. It’s not about someone’s behavior after a contract (moral hazard), nor about environmental dangers in the surroundings (environmental hazard), nor about financial factors (financial hazard). So smoking is best described as a physical hazard.

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