CIIN Certificate CF3 Practice Questions - CIIN Certificate CF3 - Insurance Underwriting Process (Nigeria) Exam

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An underwriter inspects a factory and notes outdated fire suppression equipment and blocked emergency exits. How would these conditions be classified?

Moral hazards increasing the likelihood of fraudulent claims Physical hazards that may increase the frequency or severity of loss Perils that have already caused an insured event Representations that automatically void the policy

Correct Answer:

Physical hazards that may increase the frequency or severity of loss

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