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Library of Congress Cataloging-in-Publication Data

Vaughan, Emmett J.

Fundamentals of risk and insurance / Emmett J. Vaughan, Therese M. Vaughan.— Eleventh edition.

pages cm

Includes bibliographical references and index.

ISBN 978-1-118-53400-7 (pbk.)

1. Insurance. 2. Risk (Insurance) I. Vaughan, Therese M. II. Title.

HG8051.V35 2014

368—dc23

2013033075

Printed in the United States of America

10 9 8 7 6 5 4 3 2 1