风险管理和保险 英文版2025|PDF|Epub|mobi|kindle电子书版本百度云盘下载

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PART 1 RISK AND THE RISK MANAGEMENT PROCESS1

1 Introduction to Risk2

The Burden of Risk3

Definitions of Risk4

Sources of Risk5

Measurement of Risk8

Management of Risk11

2 Risk Identification and Evaluation14

Risk Identification15

Risk Evaluation17

Accuracy of Predictions25

3 Property and Liability Loss Exposures30

Property Loss Exposures31

Liability Exposures32

Types of Liability Damages33

Criminal and Civil Law35

Torts36

Basic Law of Negligence36

Defenses Against Negligence Claims37

Factors Leading to Higher Standards of Care38

Types of Liability Exposures41

Integrated Risk Exposures50

Miscellaneous Liability50

4 Life,Health,and Loss of Income Exposures53

Exposures Due to Premature Death54

Exposures Due to Loss of Health62

Other Income Loss Exposures71

5 Risk Management Techniques:Noninsurance Methods75

Risk Avoidance76

Loss Control76

Risk Retention80

Risk Transfer83

The Value of Risk Management85

6 Insurance as a Risk Management Techniaue:Principles89

The Nature of Insurance90

Principle of Indemnity91

Principle of Insurable Interest91

Principle of Subrogation93

Principle of Utmost Good Faith94

Requisites of Insurable Risks97

Requirements of an Insurance Contract101

Distinguishing Characteristics of Insurance Contracts102

Role of Agents and Brokers103

Principles of Social Insurance105

Social and Economic Values and Costs of Insurance107

7 Insurance as a Risk Management Technique:Polincy Provisions112

Declarations113

The Insuring Agreement113

Exclusions114

Common Policy Conditions117

Definitions121

Basis of Recovery121

Clauses Limiting Amounts Payable122

8 Selecting and Implementing Risk Management Techniques133

Avoid Risks If Possible134

Implement Appropriate Loss Control Measures134

Select the Optimal Mix of Risk Retention and Risk Transfer138

Implementing Decisions143

Subjective Risk Management146

Enterprise Risk Management and Alternative Risk Transfer147

PART 2 COMMERCIAL RISK MANAGEMENT APPLICATIONS：PROPERTY-LIABILITY153

9 Risk Management and Commercial Property—Part Ⅰ154

The Simplified Commercial Lines Portfolio Policy155

Boiler and Machinery Insurance159

Business Owners Program160

Other Commercial Property Forms161

Reporting Forms162

Time-Element Contracts163

Consequential Loss Coverage163

Contracts Without Time Element167

10 Risk Management and Commercial Property—Part Ⅱ172

Transportation Insurance173

Ocean Transportation Insurance176

Land Transportation insurance182

Floater Contracts183

Credit Insurance184

Title Insurance186

Plate Glass Insurance187

Crime187

Crime Insurance and Bonds188

Burglary, Robbery, and Theft Insurance190

Risk Management of the Crime Peril192

Disaster Risk Management:A Case Study192

11 Business Liability and Risk Management Insurance196

Common Liability Contract Provisions197

Commercial Liability Insurance203

Commercial General Liability203

Employment Practices Liability206

Business Auto Coverage206

Professional Liability Insurance209

Captive Insurance Companies213

Workers Compensation Insurance219

12 Workers Compensation and Alternative Risk Financing219

Major Reform220

Risk Management and Workers Compensation228

Conclusions237

PART 3 PERSONAL RISK MANAGEMENT APPLICATIONS：PROPERTY—LIABILITY239

13 Risk Management for Auto Owners—Part Ⅰ240

The High Cost of Automobile Losses240

Insurance Claims241

The Need for Insurance243

Personal Automobile Policy243

Personal Automobile Policy Components244

Automobile Insurance and the Law255

Risk Management and Personal Automobile Rating259

14 Risk Management for Auto Owners—Part Ⅱ266

Premiums and Death Rates266

Car Theft268

Who Pays270

Cost Containment270

No-Fault272

Alcohol and Driving275

New Laws275

Advances in Driver and Auto Safety276

A Potential Crisis278

Airbags, Auto Property Damage, and Teenage Drivers278

15 Risk Management for Homeowners281

Homeowners Program:Development282

Outline of Homeowners Coverages283

Analysis of Homeowners Policy285

Perils Covered in Homeowners Insurance292

Optional Property Endorsements to Homeowners Policies298

Flood Insurance302

Personal Articles Floater (PAF)302

Mobile Home Endorsement to Homeowners Policy303

Comprehensive Personal Liability and Medical Payments Insurance304

Dwelling Program (Not Homeowners )311

Farmowners —Ranchowners Policy313

Risk Management—Personal Lines313

Personal Risk Management317

PART 4 RISK MANAGEMENT APPLICATIONS：LIFE,HEALTH, AND INCOME EXPOSURES325

16 Loss of Life326

Types of Life Insurance327

Income Tax Treatment of Life Insurance336

Life Insurance Contract Provisions337

17 Loss of Health351

Health Insurance Providers352

Mechanics of Cost Sharing355

Health Expense Insurance357

Disability Income Insurance363

Health Insurance Policy Provisions364

Health Care Reform367

18 Retirement Planning and Annuities374

Structure of Annuities375

Annuity Characteristics376

Annuity Taxation381

19 Employee Benefits:Life and Health Benefits387

Reasons for Employee Benefits388

Premature Death Benefits389

Health Expense Benefits395

Disability Income Benefits403

20 Employee Benefits:Retirement Plans408

Social Security Retirement Benefits409

Pension Plans412

Plan Qualification413

Deferred Profit-Sharing Plans422

Employee Savings Plans423

Individual Retirement Accounts424

Simple Plans426

Keogh Plans426

Section 403(b)Plans427

21 Financial and Estate Planning431

Financial Planning432

Estate Planning432

A Case Study:The Johnson Family439

Considerations in Buying Life and Health Insurance448

PART 5 THE RISK MANAGEMENT ENVIRONMENT455

22 Risk Management and the Insurance Industry456

The Field of Insurance457

Types of Insurers460

Channels of Distribution in Insurance464

Globalization of Risk Management and the Insurance Industry471

23 Functions and Organization of Insurers476

Functions of Insurers477

Reinsurance491

24 Government Regulation of Risk Management and Insurance497

Why Insurance Is Regulated498

The Legal Background of Regulation499

The McCarran-Ferguson Act500

Federal versus State Regulation502

Responsibilities of the Insurance Regulators504

Miscellaneous Insurance Laws509

Tort Reform511

Taxation of Insurance512