Principles of Risk Management and Insurance, Global Edition (13th Ed.)

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Language: English
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720 p. · 20.5x25 cm · Paperback

For undergraduate courses in Risk Management and Insurance.

 

Principles and Practices: Managing Risk with Consumer Considerations

Redja?s Principles of Risk Management and Insurance provides an in-depth examination of major risk themes. Using rich and up-to-date content on the basic concepts of risk and insurance, and introductory and advanced topics in traditional and enterprise risk management, the text is relevant to a wide number of disciplines in the business realm.

 

Fully updated and revised, the Thirteenth Edition now covers global topics ranging from natural disasters and terrorism, to domestic issues like the ever-evolving Affordable Care Act and Healthcare Reform. Principles of Risk Management and Insurance sets itself apart by placing primary emphasis on insurance consumers and blends basic risk management and insurance principles with consumer considerations, allowing students to apply basic concepts to their own personal risk management and insurance programs.

1. Risk and its Treatment

2. Insurance and Risk

3. Introduction to Risk Management

4. Enterprise Risk Management and Related Topics

5. Types of Insurers and Marketing Systems

6. Insurance Company Operations

7. Financial Operations of Insurers

8. Government Regulation of Insurance

9. Fundamental Legal Principles

10. Analysis of Insurance Contracts

11. Life Insurance

12. Life Insurance Contractual Provisions

13. Buying Life Insurance

14. Annuities and Individual Retirement Accounts

15. Healthcare Reform: Individual Health Insurance Coverages

16. Employee Benefits: Group Life and Health Insurance

17. Employee Benefits: Retirement Plans

18. Social Insurance

19. The Liability Risk

20. Auto Insurance

21. Auto Insurance, Part II

22. Homeowners Insurance, Section I

23. Homeowners Insurance, Section II

24. Other Property and Liability Insurance Coverages

25. Commercial Property Insurance

26. Commercial Liability Insurance

27. Crime Insurance and Surety Bonds

The Latest Risk Management and Insurance Coverage

  • NEW! Technically accurate and up-to-date material has been reviewed by numerous experts, especially in areas where changes occur rapidly.
  • UPDATED!Flexible, self­-contained chapters can be easily integrated into a wide variety of syllabi and include:
    • Basic concepts of risk and insurance
    • Introductory and advanced topics in risk management
    • Functional and financial operations of insurers
    • Legal principles
    • Loss forecasting
    • The application of new technology
    • Life and health insurance
    • Property and liability insurance
    • Employee benefits
    • Social insurance
  • NEW! In-depth discussion of healthcare reform, includingthe broken healthcare delivery system in the United States that led to enactment of the Affordable Care Act (ACA), has been added to Chapter 15.  
  • NEW!Chapters 15 and 16 provide an update on the ACA and its impact on individual and group health insurance coverages. Primary attention is devoted to provisions that have a major financial impact on individuals, families, and employers.
  • NEW! Chapter 16 discusses current trends in group health insurance to limit higher healthcare costs and premiums. As employers continue to grapple with the rapid increase in group health insurance premiums, they seek new solutions for holding down costs.
  • NEW! Chapter 18 summarizes the possible desirable and undesirable effects of the ACA on both workers’ compensation programs and employers.
  • NEW! Chapter 18 discusses the increased use of medical marijuana (now legal in at least 20 states and the District of Columbia), opiate overuse, and their impact on workers’ compensation programs.
  • NEW! Chapter 20 is a new chapter that discusses liability coverage of the Personal Auto Polic