Which insurance concept refers to a loss that occurs without the insured's negligence?

The concept that refers to a loss occurring without the insured's negligence is best captured by the idea of Strict Liability. This concept holds parties responsible for damages or loss regardless of fault, which aligns with situations where an insured might experience a loss without any negligent action on their part.

In contrast, the Doctrine of Proximate Cause pertains to establishing a direct link between an event and the loss sustained, highlighting a causal relationship that may or may not implicate negligence. Insurable Interest refers to the requirement that the policyholder must have a stake in the insured property or life, ensuring they will suffer a loss from its damage or loss. The Conditional Contract aspect of insurance deals with the conditions stipulated in the insurance agreement which must be met for the coverage to apply. Thus, while all the other concepts play roles in the broader context of insurance, they do not specifically address the scenario of a loss occurring without the insured's negligence as precisely as the concept of Strict Liability does.