Which condition prevents Bob from assigning his policy's claims to Scott?

The condition that prevents Bob from assigning his policy's claims to Scott is correctly identified as "Assignment." In the context of insurance policies, the assignment clause typically specifies whether and how policyholders can transfer their rights and obligations under the policy to another party. Most insurance policies contain explicit language regarding assignments, which often requires the insurer's prior written consent before such an assignment can take place. Without this consent, the assignment is considered invalid, meaning the rights to make claims under the policy remain exclusively with the original policyholder, Bob, in this scenario.

Understanding the nature of assignment is crucial for policyholders and adjusters alike, as it affects the handling of claims and the relationships between insured parties and third parties. In contrast, terms like liberalization, premium audit, and control of property pertain to other aspects of insurance but do not specifically address the issue of transferring policy rights or claims.