The correct answer is D. All of the above.
Occupational hazards are risks that workers face in their jobs. They can come from a variety of sources, including accidents, health problems, and moral hazard.
Accidents are sudden, unplanned events that can cause injury or death. They can happen in any workplace, but they are more common in some industries than others. For example, construction workers are at a higher risk of accidents than office workers.
Health problems can also be caused by work. Some jobs expose workers to dangerous chemicals or fumes. Others require workers to lift heavy objects or work in extreme temperatures. These conditions can lead to health problems such as respiratory problems, muscle strain, and heat stroke.
Moral hazard is a situation in which people take more risks when they know they are not personally responsible for the consequences. This can happen in the workplace when employees know that their employer will cover the cost of any injuries they sustain on the job. This can lead to employees taking more risks, which can increase the risk of accidents.
All of these factors can contribute to occupational hazards. It is important for employers to take steps to reduce these risks and protect their employees.