Question

During the Ethio–Eritrea war, a significant number of people lost their lives, many were injured, and a

substantial amount of property was damaged. Consequently, both countries experienced a large
economic loss. Three individuals—Assab, Abay, and Keren—participated in this conflict.
During war the weather was excessively hot, and the soldiers found themselves thirsty. None of the
three participants had knowledge of the landscape. Furthermore, the soldiers were in a vulnerable
position susceptible to attacks.
Assab, the first participant, was an engineer with three children. He possessed a good personality and
effective communication skills within society. Unfortunately, Assab was hit by a bomb and lost his life
in battle during the war. The second participant, Abay, is a physician with two children. He suffered a
severe leg injury when he fell from a cliff dring the war, resulting in long-term disability. However, he
was fortunate to reunite with his family after the war. As for Keren, he was a young pilot without
children. Similar to Assab, Keren also lost his life during the war when he was running to escape, fell
down, and was hit by a stone during the war. Based on the above scenario, answer the following
questions from the perspective of risk management and insurance.
A. What were the primary perils, hazards, and types of risks faced by individuals like Assab, Abay,
and Keren during the war, and could you provide an explanation for each?

Answer 1

Answer:The primary perils, hazards, and types of risks faced by individuals like Assab, Abay, and Keren during the war can be explained as follows:

1. Perils:

a. Bombing: Assab lost his life during the war when he was hit by a bomb. This highlights the peril of being directly targeted by enemy bombings.

b. Injury from falling: Abay suffered a severe leg injury when he fell from a cliff during the war. Falling from heights is a peril that can result in serious injuries or even death.

2. Hazards:

a. Weather conditions: The excessively hot weather during the war posed a hazard to the soldiers. Extreme temperatures can lead to dehydration, heatstroke, and other heat-related illnesses.

b. Vulnerability to attacks: The soldiers, including Assab, Abay, and Keren, were in a vulnerable position susceptible to attacks. This created a hazard of being directly exposed to enemy fire and increasing the risk of injury or death.

3. Types of risks:

a. Health risks: Assab and Abay faced health risks due to the war. Assab lost his life, while Abay suffered a severe leg injury, resulting in long-term disability. These incidents highlight the risk of physical harm and the potential impact on overall health and well-being.

b. Life risks: Assab and Keren both lost their lives during the war. This represents the risk of losing one's life while participating in armed conflict.

It is important to note that risk management and insurance play a significant role in mitigating and addressing these risks. Insurance coverage, such as life insurance and health insurance, can provide financial protection and support for individuals and their families in such challenging circumstances. Additionally, risk management strategies, such as proper training, safety protocols, and contingency planning, can help minimize the impact of perils and hazards during times of conflict.

Explanation:The primary perils, hazards, and types of risks faced by individuals like Assab, Abay, and Keren during the war can be explained as follows:

1. Perils:

a. Bombing: Assab lost his life during the war when he was hit by a bomb. This highlights the peril of being directly targeted by enemy bombings.

b. Injury from falling: Abay suffered a severe leg injury when he fell from a cliff during the war. Falling from heights is a peril that can result in serious injuries or even death.

2. Hazards:

a. Weather conditions: The excessively hot weather during the war posed a hazard to the soldiers. Extreme temperatures can lead to dehydration, heatstroke, and other heat-related illnesses.

b. Vulnerability to attacks: The soldiers, including Assab, Abay, and Keren, were in a vulnerable position susceptible to attacks. This created a hazard of being directly exposed to enemy fire and increasing the risk of injury or death.

3. Types of risks:

a. Health risks: Assab and Abay faced health risks due to the war. Assab lost his life, while Abay suffered a severe leg injury, resulting in long-term disability. These incidents highlight the risk of physical harm and the potential impact on overall health and well-being.

b. Life risks: Assab and Keren both lost their lives during the war. This represents the risk of losing one's life while participating in armed conflict.

It is important to note that risk management and insurance play a significant role in mitigating and addressing these risks. Insurance coverage, such as life insurance and health insurance, can provide financial protection and support for individuals and their families in such challenging circumstances. Additionally, risk management strategies, such as proper training, safety protocols, and contingency planning, can help minimize the impact of perils and hazards during times of conflict.

Answer 2

Individuals like Assab, Abay, and Keren faced physical peril, health hazards, life-threatening risks, and financial risk during the war.

Step-by-step explanation:

Individuals like Assab, Abay, and Keren faced several primary perils, hazards, and types of risks during the war:

1. Physical Peril: The soldiers were in a vulnerable position susceptible to attacks due to the ongoing war.
2. Health Hazard: The excessively hot weather made the soldiers thirsty, increasing the risk of dehydration and its associated health problems.
3. Life-threatening Risks: Assab, Abay, and Keren all faced the risk of losing their lives during the war. Unfortunately, Assab and Keren did lose their lives, while Abay suffered a severe leg injury which resulted in long-term disability.
4. Financial Risk: Both Assab and Keren, who lost their lives, left behind families that would face a financial loss due to the absence of their income and support.