Song 4: “Hazard Trouble!” Verse 1 A peril is the cause when damage appears Like fire, theft, or crashing gears But something else can raise the chance And make that danger start to dance A hazard doesn’t cause the flame But helps the peril win the game Like gasoline beside a spark Making trouble in the dark ⸻ Chorus Hazards make the danger double They don’t start it — they make trouble! Peril strikes but hazards grow The odds that loss will start to show Hazards make the danger bubble They don’t start it — they make trouble! Three big kinds we need to know Physical, morale, and moral! ⸻ Verse 2 – Physical Hazard Physical hazards you can see Like icy roads or faulty wiring Broken stairs or leaking gas Things that make accidents come fast They’re built into the world around Danger hiding on the ground ⸻ Chorus Hazards make the danger double They don’t start it — they make trouble! Physical hazards you can see Making perils more likely! ⸻ Verse 3 – Moral Hazard Moral hazards break the trust Fraud and lies and greedy lust Someone burning down their place Just to win an insurance case That’s when honesty disappears And people try to game the gears ⸻ Verse 4 – Morale Hazard Morale hazards look like this Carelessness and risky bliss Driving fast without concern Because insurance pays in turn Not fraud, not crime, but still a risk Reckless choices make the list ⸻ Bridge (analogy section) Think of peril like a spark Hazard is the fuel nearby Spark alone might fade away But fuel helps flames reach the sky! ⸻ Final Chorus Hazards make the danger double They don’t start it — they make trouble! Peril causes loss to start Hazards help it play its part! Physical, morale, and moral too Three big hazards to review!
