A condition that causes persons to be less careful than they would otherwise be. Such as an employee smoking where prohibited, removing guards from machinery, not wearing safety equipment or leaving doors unlocked.
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A hazard that is based in the insured’s attitude toward the insured belongings. This hazard exists when the insured no longer cares about his or her possessions because they are insured; for example, when an insured hopes to be in a car accident in order to have the insurance pay for a new car.
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Addresses the issue of an apathetic insured (e.g., it’s insured, let it burn). Includes failure of an insured to maintain property in good condition procrastinating roof repairs until a leak occurs, etc.