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The Nature of Risk and Risk Bearing
CONCEPTS IN RISK AND INSURANCE
t PROBABILITY RISK AND INSURANCE
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accident agent agreement all-risk ance apply assets assumed automobile insurance average basic basis benefits bond cancelled cash value caused claims clause coinsurance compensation cost coverage covered credit insurance damage death deductible disability earnings employee event example excluded expenses exposure units factors federal fire insurance firm floater fund guarantee health insurance income income policy increased indemnity individual injury insurance company insurance contracts insurance manager insurance policy insured's interest investment law of large liability insurance limits major method million moral hazard mutual negligence occur operations owner paid payments perils period person policyholders private insurers probability problem profits property insurance protection purchased rate-making reduced reinsurance result retirement risk manager savings self-insurance social insurance standard subrogation surance surety bonds surplus term tion types of insurance underwriting unearned premium reserve unemployment usually variable annuity workers