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A strip-mall includes eight identical-sized retail units.All of the units were built at the same time and each has an identical sprinkler system.Unit number two is a dry cleaning business.Unit number three is a bar and grill.Unit number four is a dress shop.The owners of these three units are all insured by the same insurance company,but the property insurance premiums vary significantly.Which of the following rating factors best explains the difference in premiums?
Condition Passed
The state of having moved beyond a particular condition, problem, or stage, often implying improvement or resolution.
Vulnerability-Stress Perspective
A theory suggesting that psychopathology develops due to a combination of genetic vulnerabilities and environmental stressors.
Genetically Susceptible
Having an increased likelihood of developing a particular disease or condition due to one's genetic makeup.
Coping Skills
Techniques and strategies individuals use to manage and overcome stressors and challenges in life.
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