Answer:
Legal hazard
Explanation:
Legal hazard -
It refers to any harm , according to the legal procedure , is referred to as legal hazard .
Any activity which might contempt the legal rights of the person or law , comes under legal hazard .
Legal hazard can also be done by any company or business , like insurance companies , like including alcoholism in health insurance .
Hence , from the given scenario of the question ,
The correct answer is legal hazard .