10. An insured individual tendency of causing inflicted damage is best explained by:

A. Peril D. Morale hazard

B. Moral hazard E. None of the above

C. Physical hazard

11. Having a rules such as, every worker should wear safety clothing while they are working in a factory are examples of:

A. Risk transfer tools D. Loss prevention tools

B. Risk avoidance tools E. None of the above

C. Separation

12. Which of the following condition related to physical hazard

A. A careless driver D. All of the above

B. Ice road condition E. None of the above

C. Intentional loss