This book is divided into three major sections. The
first section examines the concept of risk, the nature
of the insurance device, and the principles
of risk management. This section also provides an
overview of the insurance industry and the manner
in which it operates.
The second section examines the traditional
fields of life and health insurance as solutions to the
risks connected with the loss of income. The Social
Security system, workers compensation, and other
social insurance coverages are discussed in this section
to permit students to integrate the coverage under
these programs in planning income protection.
The final section deals with the risks associated
with the ownership of property and legal liability.
The coverages applicable to the individual or family
are treated in chapters that are separate from those
designed for the business firm, permitting those instructors
who prefer to concentrate on insurance for
the individual to give only slight treatment to commercial
coverages.
The book is designed to fit a one-semester or twoquarter
course, but it may be adapted to longer
and shorter sequences. We have composed what we
consider to be a logical sequence of subject matter,
but the book can be used flexibly. Sections Two and
Three in particular may be taken in different order.
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