BRIEF CONTENTS
by Therese M. Vaughan, Emmett J. Vaughan
Fundamentals of Risk and Insurance, 11th Edition
- Cover Page
- Title Page
- Copyright
- Dedication
- ABOUT THE AUTHORS
- PREFACE
- BRIEF CONTENTS
- CONTENTS
- Chapter 1: The problem of risk
- Chapter 2: Introduction to Risk Management
- THE HISTORY OF MODERN RISK MANAGEMENT
- ENTERPRISE RISK MANAGEMENT
- RISK MANAGEMENT DEFINED
- RISK MANAGEMENT TOOLS
- RISK MANAGEMENT AS A BUSINESS FUNCTION
- MISCONCEPTIONS ABOUT RISK MANAGEMENT
- RISK MANAGEMENT AND THE INDIVIDUAL
- THE RISK MANAGEMENT PROCESS
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 3: The Insurance Device
- Chapter 4: Risk Management Applications
- Chapter 5: The Private Insurance Industry
- Chapter 6: Regulation of the Insurance Industry
- THE WHY OF GOVERNMENT REGULATION OF INSURANCE
- REGULATION TODAY
- AREAS REGULATED
- STATE VERSUS FEDERAL REGULATION
- GLOBAL INFLUENCES ON INSURANCE REGULATION
- APPENDIX THE AVAILABILITY/AFFORDABILITY DEBATE
- THE ESSENCE OF THE DEBATE
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 7: Functions of Insurers
- FUNCTIONS OF INSURERS
- RATEMAKING
- PRODUCTION
- UNDERWRITING
- LOSS ADJUSTMENT
- THE INVESTMENT FUNCTION
- MISCELLANEOUS FUNCTIONS
- APPENDIX RETROSPECTIVE RATING PLANS
- THE RETROSPECTIVE FORMULA
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 8: Financial Aspects of Insurer Operations
- Chapter 9: The Legal Framework
- Chapter 10: Managing Personal Risks
- OBJECTIVES IN MANAGING PERSONAL RISKS
- OTHER STEPS IN MANAGING PERSONAL RISKS
- MANAGING RISKS ASSOCIATED WITH PREMATURE DEATH
- LONGEVITY RISK
- THE RISKS ASSOCIATED WITH DISABILITY
- EVALUATING THE MEDICAL EXPENSE EXPOSURE
- MANAGING THE RISK OF UNEMPLOYMENT
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 11: Social Insurance Programs
- Chapter 12: Introduction to Life Insurance
- SOME UNIQUE CHARACTERISTICS OF LIFE INSURANCE
- TYPES OF LIFE INSURANCE CONTRACTS
- TAX TREATMENT OF LIFE INSURANCE
- CURRENT LIFE INSURANCE PRODUCTS
- GENERAL CLASSIFICATIONS OF LIFE INSURANCE
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 13: The Actuarial Basis of Life Insurance
- Chapter 14: The Life Insurance Contract—General Provisions
- Chapter 15: The Life Insurance Contract—Other Provisions
- Chapter 16: Special Life Insurance Forms
- Chapter 17: Buying Life Insurance
- Chapter 18: Annuities and Pension Benefits
- Chapter 19: Managing the Retirement Risk
- Chapter 20: Health Insurance: Disability Income Insurance
- GENERAL NATURE OF DISABILITY INCOME INSURANCE
- DISABILITY INCOME CONTRACTS
- INDIVIDUAL HEALTH INSURANCE POLICY PROVISIONS
- PROGRAMMING AND BUYING DISABILITY INCOME INSURANCE
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 21: Health Insurance: Coverage for Medical Expenses
- BACKGROUND ON THE CURRENT HEALTH INSURANCE MARKET
- THE HEALTH INSURANCE MARKET
- THE INSURANCE PRODUCT
- OTHER MEDICAL EXPENSE COVERAGES
- HEALTH INSURANCE
- DEFICIENCIES IN THE SYSTEM AND PRIOR REFORM EFFORTS
- THE PATIENT PROTECTION AND AFFORDABLE CARE ACT OF 2010 (THE ACA)
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 22: Health Insurance for the Elderly
- Chapter 23: Employee Benefits and Other Business Uses of Life and Health Insurance
- EMPLOYEE BENEFITS GENERALLY
- GROUP LIFE AND HEALTH INSURANCE AS EMPLOYEE BENEFITS
- FUNDING ISSUES
- PENSIONS
- ERISA PENSION PLAN TERMINATION INSURANCE
- ACCOUNTING FOR DEFINED BENEFIT PLANS
- PLAN DE-RISKING AND LONGEVITY RISK TRANSFER
- CAFETERIA EMPLOYEE BENEFIT PLANS
- SOME SPECIALIZED USES OF LIFE INSURANCE IN BUSINESS
- SUMMARY
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 24: The Homeowners Policy—General Provisions
- Chapter 25: The Homeowners Policy Forms
- Chapter 26: Other Personal Forms of Property Insurance
- MONOLINE FIRE DWELLING PROGRAM
- Coverages under the Dwelling Program
- MOBILEHOME PROGRAM
- FLOOD INSURANCE
- INLAND MARINE COVERAGE FOR THE INDIVIDUAL
- BUYING PROPERTY INSURANCE FOR THE INDIVIDUAL
- TITLE INSURANCE
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 27: Negligence and Legal Liability
- Chapter 28: General Liability Insurance for the Individual
- Chapter 29: The Automobile and its Legal Environment
- A BRIEF OVERVIEW OF AUTOMOBILE COVERAGES
- LEGAL LIABILITY AND THE AUTOMOBILE
- THE AUTOMOBILE INSURANCE PROBLEM AND CHANGES IN THE TORT SYSTEM
- AUTOMOBILE INSURANCE RATES
- THE SHIFTING VIEW OF AUTO INSURANCE
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 30: The Personal Auto Policy
- GENERAL NATURE OF THE PERSONAL AUTO POLICY
- LIABILITY COVERAGE
- MEDICAL PAYMENTS COVERAGE
- UNINSURED MOTORIST COVERAGE
- POLICY CONDITIONS
- ENDORSEMENTS TO THE PAP
- BUYING AUTOMOBILE INSURANCE
- SUMMARY
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 31: Commercial Property Insurance
- COMMERCIAL PROPERTY COVERAGE
- COMMERCIAL PROPERTY DIRECT LOSS COVERAGES
- COMMERCIAL PROPERTY COVERAGE FOR INDIRECT LOSS
- BOILER AND MACHINERY INSURANCE
- TRANSPORTATION COVERAGES
- THE NATIONAL FLOOD INSURANCE PROGRAM
- INSURANCE AGAINST DISHONESTY
- PACKAGE POLICIES FOR BUSINESS FIRMS
- SUMMARY
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 32: Commercial Liability Insurance
- EMPLOYERS LIABILITY AND WORKERS COMPENSATION
- GENERAL LIABILITY INSURANCE
- CYBER LIABILITY INSURANCE
- COMMERCIAL AUTOMOBILE INSURANCE
- INSURANCE FOR BAILEES
- AVIATION INSURANCE
- EXCESS LIABILITY AND UMBRELLA LIABILITY COVERAGE
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Chapter 33: Surety Bonds, Trade Credit, and Financial Guaranty Insurance
- Chapter 34: Insurance in the Future (Online)
- HEALTH AND RETIREMENT SECURITY
- GLOBALIZATION OF INSURANCE
- REGULATION
- PROTECTION FOR CATASTROPHE EXPOSURE
- CHANGES IN THE LEGAL ENVIRONMENT
- CHANGES IN THE INSURANCE INDUSTRY
- SOME PERSISTENT PROBLEMS
- CAREER OPPORTUNITIES IN INSURANCE
- CONCLUDING OBSERVATION
- IMPORTANT CONCEPTS TO REMEMBER
- QUESTIONS FOR REVIEW
- QUESTIONS FOR DISCUSSION
- SUGGESTIONS FOR ADDITIONAL READING
- WEB SITES TO EXPLORE
- Glossary
- AUTHOR INDEX
- SUBJECT INDEX
BRIEF CONTENTS
Chapter 2 Introduction to Risk Management
Chapter 3 The Insurance Device
Chapter 4 Risk Management Applications
Chapter 5 The Private Insurance Industry
Chapter 6 Regulation of the Insurance Industry
Chapter 7 Functions of Insurers
Chapter 8 Financial Aspects of Insurer Operations
Chapter 10 Managing Personal Risks
Chapter 11 Social Insurance Programs
Chapter 12 Introduction to Life Insurance
Chapter 13 The Actuarial Basis of Life Insurance
Chapter 14 The Life Insurance Contract—General Provisions
Chapter 15 The Life Insurance Contract—Other Provisions
Chapter 16 Special Life Insurance Forms
Chapter 17 Buying Life Insurance
Chapter 18 Annuities and Pension Benefits
Chapter 19 Managing the Retirement Risk
Chapter 20 Health Insurance: Disability Income Insurance
Chapter 21 Health Insurance: Coverage for Medical Expenses
Chapter 22 Health Insurance for the Elderly
Chapter 23 Employee Benefits and Other Business Uses of Life and Health Insurance
Chapter 24 The Homeowners Policy—General Provisions
Chapter 25 The Homeowners Policy Forms
Chapter 26 Other Personal Forms of Property Insurance
Chapter 27 Negligence and Legal Liability
Chapter 28 General Liability Insurance for the Individual
Chapter 29 The Automobile and its Legal Environment
Chapter 30 The Personal Auto Policy
Chapter 31 Commercial Property Insurance
Chapter 32 Commercial Liability Insurance
Chapter 33 Surety Bonds, Trade Credit, and Financial Guaranty Insurance
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