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Probability Risk and Insurance
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agency agent agreement amount ance application assume auto automobile average bailee basic Best's binomial binomial distribution building business interruption cause claims collision commercial insurance cost cover coverage damage discussed distribution economic estimate event example expected loss expected value expenses Explain exposure units fire insurance fire policy firm floater function funds given handling risk hazard important income indemnity individual insurable interest insurance company insurance contract insurance manager insurance policy insurer's investment large numbers law of large liability insurance limits Lloyd's of London loss ratio ment method moral hazard multiple-line mutual normal distribution normally number of exposure objective risk obtain occur ocean marine operations organization payment percent perils person policyholders possible probability of loss problem profits property insurance protection purchase reduce reinsurance result risk manager self-insurance standard deviation stock insurers subrogation surplus tion types of insurance uncertainty underwriting usually utility warranty