Risk Management and Insurance

This proven, market-leading book provides a thorough, current introduction to risk management and insurance. It assists the reader 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.

PART 1 RISK AND THE RISK MANAGEMENT PROCESS

1

(152)

Introduction to Risk

2

(12)

Risk Identification and Evaluation

14

(16)

Property and Liability Loss Exposures

30

(23)

Life, Health, and Loss of Income Exposures

53

(22)

Risk Management Techniques: Noninsurance Methods

75

(14)

Insurance as a Risk Management Technique: Principles

89

(23)

Insurance as a Risk Management Technique: Policy Provisions

112

(21)

Selecting and Implementing Risk Management Techniques

133

(20)

PART 2 COMMERCIAL RISK MANAGEMENT APPLICATIONS: PROPERTY--LIABILITY

153

(86)

Risk Management and Commercial Property--Part I

154

(18)

Risk Management and Commercial Property--Part II

172

(24)

Business Liability and Risk Management Insurance

196

(23)

Workers' Compensation and Alternative Risk Financing

219

(20)

PART 3 PERSONAL RISK MANAGEMENT APPLICATIONS PROPERTY--LIABILITY

239

(86)

Risk Management for Auto Owners--Part I

240

(26)

Risk Management for Auto Owners--Part II

266

(15)

Risk Management for Homeowners

281

(44)

PART 4 RISK MANAGEMENT APPLICATIONS: LIFE, HEALTH, AND INCOME EXPOSURES

325

(130)

Loss of Life

326

(25)

Loss of Health

351

(23)

Retirement Planning and Annuities

374

(13)

Employee Benefits: Life and Health Benefits

387

(21)

Employee benefits: Retirement Plans

408

(23)

Financial And Estate Planning

431

(24)

PART 5 THE RISK MANAGEMENT ENVIRONMENT

455

Risk Management and the Insurance Industry

456

Functions and Organization of Insures

476

Government Regulation of Risk Management and Insurance

497

APPENDIXES

Appendix A Glossary

A-1

Appendix B present Value & Annuity Tables

B-1

Appendix C Personal Automobile Policy

C-1

Appendix D Homeowners-3 Policy

D-1

Appendix E Whole Life Policy

E-1

Appendix F Disability Income Insurance Policy

F-1

Index

I-1

What is included with this book?

The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any access cards, study guides, lab manuals, CDs, etc.

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Risk Management and Insurance

Summary

Table of Contents

Supplemental Materials