The Resource Center provides a glossary of insurance terms to help you understand the various insurance wordings that may appear in your quotes, cover notes & policies.
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HAZARD
A specific situation that increases the probability of the occurrence of loss arising from a peril, or that may influence the extent of the loss. For example, accident, sickness, fire, flood, liability, burglary, and explosion are perils. Slippery floors, unsanitary conditions, shingled roofs, congested traffic, unguarded premises, and un-inspected boilers are also hazards.