Provide one example of an insured exposure that does not meet the conditions of insurability. (Think about excess and surplus lines of coverage if you are struggling to think of an example).
How is this exposure insured? How is the risk priced and are there exclusions that would still be necessary?
Also, while considering states with legalized marijuana what liabilities could this create for corporations operating or incorporated in those states?
Is it legal to refuse to hire individuals who use and should this be the practice why or why not? Consider occupations involving precision (such as surgeons), quick decision making (law enforcement), or operating heavy equipment? How could an insurer address these arising issues for corporations?