Which of the following best describes a physical hazard?

A physical hazard refers to tangible conditions that can cause harm or increases the likelihood of loss. Property features like a broken lock directly relate to the safety and security of a property, representing a clear physical hazard.

In this context, a broken lock can lead to unauthorized access, making it easier for theft or other damages to occur. This definition aligns with the general understanding of physical hazards, which are often tied to the physical attributes of property or the environment.

The other options do not fit the definition of physical hazards. Reckless behavior pertains to personal actions and decisions rather than physical elements, while bad credit history is a financial consideration that affects risk assessment but does not involve physical characteristics. Environmental conditions could be related to physical hazards in some contexts; however, broken locks are more directly about property-specific issues, making them the best example in this scenario.