實質風險因素是保險標的本身的物理特性，會增加損失發生的機會或加重損失程度。
A physical hazard is a physical feature of the subject matter that increases the chance of a loss or makes it more severe.
實質風險因素是保險標的本身的物理特性，會增加損失發生的機會或加重損失程度。
A physical hazard is a physical feature of the subject matter that increases the chance of a loss or makes it more severe.