In an atom, these subatomic particles are responsible for forming chemical bonds between two atoms.

The probability that a loss will occur

Government insurance programs with certain characteristics that distinguish them from other government insurance programs.  Programs are generally compulsory, specific earmarked taxes fund the programs, benefits are heavily weighted in favor of low income groups, and programs are designed to achieve certain social goals.

Property and liability insurance coverages that ensure the home and personal property of individuals and families or provide protection against legal liability.

Uncertainty based on one’s mental condition or state of mind.

Which of the following is most likely to be insured at the federal government level? A) product liability insurance. B) homeowner insurance C) auto insurance. D) unemployment insurance.

Which of the following statements about speculative risks is true?  

Cause or source of loss.

Relative variation of actual loss from expected loss, which varies inversely with the square root of the number of cases under observation

You are driving your car and lose control of the car due to standing water on the road.  Your car smashes into a tree, causing extensive damage.  In the example, the standing water would be described as a(n)