Which of the following factors contributes to a Physical Hazard?

Building design is an important factor that contributes to physical hazards. Physical hazards refer to tangible conditions that increase the likelihood of a loss occurring. The design of a building can significantly affect its safety and vulnerability to various risks. For instance, if a building has inadequate fire exits, poorly designed staircases, or improper structural elements, it becomes more susceptible to hazards such as fire, collapse, or other safety incidents.

Understanding building design as a physical hazard is crucial in risk management and insurance. Risks associated with poorly designed buildings can lead to higher premiums or the necessity for increased safety measures by insurers. This highlights the importance of proper architectural planning and adherence to building codes to minimize physical hazards.