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B.J. leaves his garage door open during the day because he knows he has property insurance and he is lazy. One day someone steals his

B.J. leaves his garage door open during the day because he knows he has property insurance and he is lazy. One day someone steals his new truck from his garage. Leaving the garage door open is an example of:

Physical hazard. Moral hazard. Morale hazard. A peril - theft.

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