Essentials of Risk Management and Insurance

RISK, RISK MANAGEMENT, AND INSURANCE The Problem with Risk Risk Management The Insurance Device The Risk Management Process Risk Management Applications The Private Insurance Industry Functions of Insurers Regulation of the Insurance Industry The Legal Framework LIFE AND HEALTH INSURANCE Managing Personal Risks Social Insurance Programs Introduction to Life Insurance The Life Insurance Contract Buying Life Insurance and Estate Planning Health Insurance: Disability Income Insurance Health Insurance Coverage for Medical Expenses Employee Benefits and Business Uses of Life and Health Insurance PROPERTY AND LIABILITY INSURANCE The Homeowners Policy Other Personal Forms of Property Insurance Negligence and Legal Liability General Liability Insurance for the Individual The Automobile and Its Lega Environment The Personal Auto Policy Commercial Property and Liability Coverages Insurance in the Future Appendices Index.