The correct answer is: B. Physical and moral hazard
Physical hazard is a hazard that is caused by the physical environment, such as natural disasters, accidents, and disease. Moral hazard is a hazard that is caused by the behavior of individuals, such as recklessness, dishonesty, and fraud.
Financial hazard is a hazard that is caused by financial factors, such as inflation, interest rates, and market volatility. Non-financial hazard is a hazard that is caused by non-financial factors, such as political instability, social unrest, and environmental degradation.
Philosophical hazard is a hazard that is caused by philosophical beliefs, such as religious beliefs and political beliefs. Metaphysical hazard is a hazard that is caused by metaphysical beliefs, such as beliefs in the supernatural and the afterlife.
Standard hazard is a hazard that is commonly known and understood, such as fire, theft, and vandalism. Non-standard hazard is a hazard that is not commonly known or understood, such as cybercrime, terrorism, and pandemics.