Risk Management and Insurance

ISBN-10: 0324183208
ISBN-13: 9780324183207
Edition: 12th 2005 (Revised)
List price: $220.95 Buy it from $0.69
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Description: This proven, market-leading text provides a thorough, current introduction to risk management and insurance. It assists the learner in identifying, analyzing, and managing risk through insurance and alternative tools/techniques such as loss control,  More...

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Book details

List price: $220.95
Edition: 12th
Copyright year: 2005
Publisher: Cengage South-Western
Publication date: 7/28/2004
Binding: Hardcover
Pages: 604
Size: 8.25" wide x 10.25" long x 1.00" tall
Weight: 2.948
Language: English

This proven, market-leading text provides a thorough, current introduction to risk management and insurance. It assists the learner in identifying, analyzing, and managing risk through insurance and alternative tools/techniques such as loss control, risk retention, and risk transfer. This edition presents an even stronger focus on managing risk and covers insurance within this context. Concepts of risk management are presented as they apply to business and personal situations as well as international situations.

Risk and the Risk Management Process
Introduction to Risk
The Burden of Risk
Definitions of Risk
Sources of Risk
Measurement of Risk
Management of Risk
Risk Identification and Evaluation
Risk Identification
Risk Evaluation
Accuracy of Predictions
Property and Liability Loss Exposures
Property Loss Exposures
Liability Exposures
Types of Liability Damages
Criminal and Civil Law
Torts
Basic Law of Negligence
Defenses Against Negligence Claims
Factors Leading to Higher Standards of Care
Types of Liability Exposures
Miscellaneous Liability
Integrated Risk Exposures
Life, Health, and Loss of Income Exposures
Exposures Due to Premature Death
Exposures Due to Loss of Health
Other Income Loss Exposures
Risk Management Techniques: Noninsurance Methods
Risk Avoidance
Loss Control
Risk Retention
Risk Transfer
The Value of Risk Management
Insurance as a Risk Management Technique: Principles
The Nature of Insurance
Principle of Indemnity
Principle of Insurable Interest
Principle of Subrogation
Principle of Utmost Good Faith
Requisites of Insurable Risks
Requirements of an Insurance Contract
Distinguishing Characteristics of Insurance Contracts
Role of Agents and Brokers
Principles of Social Insurance
Social and Economic Values and Costs of Insurance
Insurance as a Risk Management Technique: Policy Provisions
Declarations
The Insuring Agreement
Exclusions
Common Policy Conditions
Definitions
Basis of Recovery
Clauses Limiting Amounts Payable
Selecting and Implementing Risk Management Techniques
Avoid Risks If Possible
Implement Appropriate Loss Control Measures
Select the Optimal Mix of Risk Retention and Risk Transfer
Implementing Decisions
Subjective Risk Management
Enterprise Risk Management and Alternative Risk Transfer
Commercial Risk Management Applications: Property--Liability
Risk Management and Commercial Property--Part I
The Simplified Commercial Lines Portfolio Policy
Boiler and Machinery Insurance
Business Owners' Program
Other Commercial Property Forms
Reporting Forms
Consequential Loss Coverage
Time-Element Contracts
Contracts Without Time Element
Risk Management and Commercial Property--Part II
Transportation Insurance
Ocean Transportation Insurance
Land Transportation Insurance
Floater Contracts
Credit Insurance
Title Insurance
Plate Glass Insurance
Crime
Crime Insurance and Bonds
Burglary, Robbery, and Theft Insurance
Risk Management of the Crime Peril
Disaster Risk Management: A Case Study
Business Liability and Risk Management Insurance
Common Liability Contract Provisions
Commercial Liability Insurance
Commercial General Liability
Employment Practices Liability
Business Auto Coverage
Professional Liability Insurance
Captive Insurance Companies
Workers' Compensation and Alternative Risk Financing
Workers' Compensation Insurance
Major Reform
Risk Management and Workers' Compensation
Conclusions
Personal Risk Management Applications: Property--Liability
Risk Management for Auto Owners--Part I
The High Cost of Automobile Losses
Insurance Claims
The Need for Insurance
Personal Automobile Policy
Personal Automobile Policy Components
Automobile Insurance and the Law
Risk Management and Personal Automobile Rating
Risk Management for Auto Owners--Part II
Premiums and Death Rates
Car Theft
Who Pays
Cost Containment
No-Fault
Alcohol and Driving
New Laws
Advances in Driver and Auto Safety
Airbags, Auto Property Damage, and Teenage Drivers
A Potential Crisis
Risk Management for Homeowners
Homeowners' Program: Development
Outline of Homeowners' Coverages
Analysis of Homeowners' Policy
Perils Covered in Homeowners' Insurance
Optional Property Endorsements to Homeowners' Policies
Flood Insurance
Personal Articles Floater (PAF)
Mobile Home Endorsement to Homeowners' Policy
Comprehensive Personal Liability and Medical Payments Insurance
Dwelling Program (Not Homeowners')
Farmowners'-Ranchowners' Policy
Risk Management--Personal Lines
Personal Risk Management
Risk Management Applications: Life, Health, and Income Exposures
Loss of Life
Types of Life Insurance
Income Tax Treatment of Life Insurance
Life Insurance Contract Provisions
Loss of Health
Health Insurance Providers
Mechanics of Cost Sharing
Health Expense Insurance
Disability Income Insurance
Health Insurance Policy Provisions
Health Care Reform
Retirement Planning and Annuities
Structure of Annuities
Annuity Characteristics
Annuity Taxation
Employee Benefits: Life and Health Benefits
Reasons for Employee Benefits
Premature Death Benefits
Health Expense Benefits
Disability Income Benefits
Employee Benefits: Retirement Plans
Social Security Retirement Benefits
Pension Plans
Plan Qualification
Deferred Profit-Sharing Plans
Employee Savings Plans
Individual Retirement Accounts
Simple Plans
Keogh Plans
Section 403(b) Plans
Financial and Estate Planning
Financial Planning
Estate Planning
A Case Study: The Johnson Family
Considerations in Buying Life and Health Insurance
The Risk Management Environment
Risk Management and the Insurance Industry
The Field of Insurance
Types of Insurers
Channels of Distribution in Insurance
Globalization of Risk Management and the Insurance Industry
Functions and Organization of Insurers
Functions of Insurers
Reinsurance
Government Regulation of Risk Management and Insurance
Why Insurance Is Regulated
The Legal Background of Regulation
The McCarran-Ferguson Act
Federal versus State Regulation
Responsibilities of the Insurance Regulators
Miscellaneous Insurance Laws
Tort Reform
Taxation of Insurance
Appendixes
Glossary
Present Value and Annuity Tables
Personal Automobile Policy
Homeowners-3 Policy
Whole Life Policy
Disability Income Insurance Policy
Index

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*A minimum purchase of $35 is required. Shipping is provided via FedEx SmartPost® and FedEx Express Saver®. Average delivery time is 1 – 5 business days, but is not guaranteed in that timeframe. Also allow 1 - 2 days for processing. Free shipping is eligible only in the continental United States and excludes Hawaii, Alaska and Puerto Rico. FedEx service marks used by permission."Marketplace" orders are not eligible for free or discounted shipping.

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