Registered Insurance Brokers of Ontario (RIBO) Practice Exam

What best describes a physical hazard?

1. A legal technicality

2. Slippery floors

3. An emotional response

4. An intentional act of sabotage

The correct answer is: Slippery floors

A physical hazard refers to tangible elements that can cause physical harm or increase the likelihood of an accident. Slippery floors exemplify this concept, as they present a real, observable risk that can lead to slips and falls, resulting in injuries. These hazards are often conditions or situations in the environment that can be identified and measured, making them a clear representation of what constitutes a physical hazard. In contrast, the other options represent different types of hazards or responses that do not fit the definition of a physical hazard. Legal technicalities pertain to legal definitions and situations that might affect liability but do not inherently pose a physical risk. Emotional responses relate to psychological factors and are subjective, lacking the physical characteristics of hazards. Intentional acts of sabotage may involve physical elements but are classified under intentional acts or deliberate actions rather than being categorized strictly as physical hazards.