Which type of hazard refers to a person's attitudes and behaviors?

The correct answer is moral hazard. This type of hazard is closely related to the behaviors and attitudes of individuals that can influence the likelihood of a loss occurring. Moral hazards arise when a person's decisions or ethical stance impacts their risk-taking behavior. For instance, if individuals believe that they are insulated from the consequences of risky behavior because they have insurance, they may engage in riskier activities than they otherwise would, believing that they are protected from the financial fallout.

In contrast, physical hazards involve tangible, physical conditions that increase the chance of a loss, such as slippery floors or faulty wiring. Legal hazards relate to the presence of legal restrictions or changes that may affect insurance claims, coverage, or liabilities. Environmental hazards refer to factors in the environment that can cause loss, such as natural disasters or hazardous materials. Thus, moral hazard stands out as the correct answer since it specifically targets the attitudes and behaviors of individuals as a contributor to risk.