9780538870962

This market-leading text provides a thorough, modern introduction to risk management and insurance. It assists the student in identifying, analyzing, and managing risk with alternative tools and techniques such as loss control, risk retention, and risk transfer. Concepts of risk management are presented as they apply to both business and personal situations. A myriad of potential losses facing businesses and individuals are discussed, together with the general risk management process and the many alternative risk management tools.

PART 1 RISK AND THE RISK MANAGEMENT PROCESS

1

(202)

1 Introduction to Risk

2

(17)

2 Risk Identification and Evaluation

19

(21)

3 Property and Liability Loss Exposures

40

(33)

4 Life, Health, and Loss of Income Exposures

73

(30)

5 Risk Management Techniques: Noninsurance Methods

103

(18)

6 Insurance as a Risk Management Technique: Principles

121

(31)

7 Insurance as a Risk Management Technique: Policy Provisions

152

(29)

8 Selecting and Implementing Risk Management Techniques

181

(22)

PART 2 COMMERCIAL RISK MANAGEMENT APPLICATIONS: PROPERTY-LIABILITY

203

(124)

9 Risk Management and Commercial Property--Part 1

204

(26)

10 Risk Management and Commercial Property--Part II

230

(39)

11 Business Liability and Risk Management Insurance

269

(33)

12 Workers' Compensation and Alternative Risk Financing

302

(25)

PART 3 PERSONAL RISK MANAGEMENT APPLICATIONS: PROPERTY-LIABILITY

327

(116)

13 Risk Management for Auto Owners--Part I

328

(33)

14 Risk Management for Auto Owners--Part II

361

(21)

15 Risk Management for Homeowners

382

(61)

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

443

(178)

16 Loss of Life

444

(35)

17 Loss of Health

479

(34)

18 Retirement Planning and Annuities

513

(19)

19 Employee Benefits: Life and Health Benefits

532

(30)

20 Employee Benefits: Retirement Plans

562

(29)

21 Financial and Estate Planning

591

(30)

PART 5 THE RISK MANAGEMENT ENVIRONMENT

621

22 Risk Management and the Insurance Industry

622

(24)

23 Functions and Organization of Insurers

646

(30)

24 Government Regulation of Risk Management and Insurance

676

APPENDIXES

A Glossary

A-1

B Present Value and Annuity Tables

B-1

C Real and Personal Property Exposures

C-1

D Personal Automobile Policy

D-1

E Homeowners-3 Policy

E-1

F Disability Income Insurance Policy

F-1

G Whole Life Policy

G-1

INDEX

I-1

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Risk Management & Insurance 10

Risk Management & Insurance 10

0538870966

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Table of Contents

Supplemental Materials