Risk management and insurance:
Saved in:
| Main Authors: | , , |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
New York u.a.
McGraw-Hill
1995
|
| Edition: | 7. ed. |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | XXXII, 680 S. |
| ISBN: | 0070705844 |
Staff View
MARC
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| 245 | 1 | 0 | |a Risk management and insurance |c C. Arthur Williams Jr.; Michael L. Smith ; Peter C. Young |
| 250 | |a 7. ed. | ||
| 264 | 1 | |a New York u.a. |b McGraw-Hill |c 1995 | |
| 300 | |a XXXII, 680 S. | ||
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Record in the Search Index
| _version_ | 1804124767108726784 |
|---|---|
| adam_text | Contents
PREFACE xxvii
Part One
AN OVERVIEW OF RISK AND MANAGEMENT
1. An Introduction to Risk and Uncertainty 3
Learning Objectives 3
Introduction 3
Essential Concepts: Certainty, Uncertainty, and Risk 5
Some Further Concepts Related to Risk 7
Pure and Speculative Risks 7
Diversifiable and Nondiversifiable Risks 9
Some Further Issues Related to Uncertainty 10
Levels of Uncertainty 10
The Response to Uncertainty 11
Uncertainty, Information, and Communication 12
Two Specific Concepts Related to Uncertainty 13
Risk, Uncertainty, and Morality 14
Managing Risk and Uncertainty 15
Key Concepts 16
Review Questions 16
References and Suggestions
for Additional Reading 17
r
. 2. An Introduction to Risk Management 18
Learning Objectives 18
Introduction 18 ix
x Historical Development of the Risk I
Contents Management Function 19 I
Early Post World War II 19 I
Post 1960 20 I
Risk Management Today 22 1
Evidence of Current Risk Management Practices 22 I
77ie Nature of Risk Management Activities 24 I
77ie Nature of the Risk Management Function 25 ¦
Organizational Risk Management 27
The Strategic, Operations, and
Risk Management Model 28
Elements of Organizational Risk Management 31
The Placement of the Risk Management Function 33
Key Concepts 34
Review Questions 34
References and Suggestions
for Additional Reading 34
Part Two
ASSESSING RISK
^ 3. Risk Assessment I: Risk Assessment Fundamentals 39
Learning Objectives 39
Introduction 39
Risk Identification 40 |
Methods of Risk Identification 44 j
A Framework for Identifying Potential Risks 44
Application of Checklist 46 {
Hazard and Loss Analysis 52 j
Accident Causation 52 1
Loss Analysis 54
Hazard Analysis 55
Risk Measurement 56
Hidden Costs of Accidents 56
Dimensions of Exposure to Risk 58
Loss Frequency Measures 61
Loss Severity Measures 62
£ey Concepts 63
Review Questions 64
References and Suggestions
for Additional Reading 64
Appendix 3.1. Assets Exposures Analysis 65
4. Risk Assessment II: Quantitative I
Methods in Risk Assessment 7 1
Learning Objectives 71 xi
Introduction 71 Contents
Importance of Numerical Estimates 72
Budget Setting 72
Estimation of Future Effects 72
Claim Estimation 73
Sources and Types of Data 75
Exposure Based Loss Development Methods 77
Timing of Claim Payments 78
Estimates of Precision 79
MPC Estimation in a Single Time Period 80
Basic Probability Concepts 80
Probability Distributions 83
Summary Statistics Where Full Data Are Not Available 84
Probability Distributions and Measures of Risk 85
The Accuracy of Estimates 89
A Word of Caution 92
Key Concepts 93
Review Questions 93
References and Suggestions
for Additional Reading 96
/ I
;; ;
* 5. Property Exposures to Risk 97
Learning Objectives 97
Introduction 97
Types of Property Exposures 98
Property Class 98
Cause of the Exposure Outcome 98
Direct, Indirect, and Time Element Outcomes 100
Interest in Property 102
Valuation of Potential Property Losses 105
Methods for Valuing Owners Property Exposures 105
Methods of Valuing Other Interests 109
Time Element Losses: A Further Look 109
Decreases in Revenues 109
Increases in Expenses 111
Property Loss Frequency and Severity Data 113
Key Concepts 115
Review Questions 115
References and Suggestions
for Additional Reading 117
6. Liability Exposures to Risk 118
Learning Objectives 118
Introduction 118
A Brief Introduction to Law 119
Sources of Law 120
Types of Law 121
xii Issues in the Legal Process of Civil Actions 122
Contents Specific Liability Problem Areas for Organizations 125
Tort Law 125
Intentional Torts 126
Unintentional Torts: Negligence 127
Strict or Absolute Liability 131
Liability Problem Area 1: Liability
Arising from Ownership, Use, and Possession of Land 132 j
Liability Problem Area 2: Liability Arising I
from Maintaining a Public or Private Nuisance 134 j
Liability Problem Area 3: Liability Arising from the Sale, Manufacture, and f
Distribution of Products or Services 135
Liability Problem Area 4: Liability Arising from
Fiduciary Relationships 137
Liability Problem Area 5: Professional Liability 138
Liability Problem Area 6: Agency and Vicarious Liability 139
Liability Problem Area 7: Bailee Liability Exposures 140 j
Liability Problem Area 8: Contract Liability 142
Liability Problem Area 9: Employment Liability 142
Liability Problem Area 10: Work Related Injury 144
Liability Problem Area 11: Motor Vehicle Liability 144
Ethics, Law, and Their Relationship to
Risk Management 147 j
Key Concepts 148 I
Review Questions 149 ;
References and Suggestions
for Additional Reading 150
7. Human Resource Exposures to Risk 151
Learning Objectives 151
Introduction 151
Reasons for Concern of Risk Managers 152
The Issue of Cost Efficiency 152
Sense of Employer Responsibility 153
Public Relations 153
Compliance with Government Regulations 153
Employer Sponsored Programs Can Substitute for
Welfare or Social Insurance 153
A Word about Human Resource Exposure to
Speculative Risks 153
Assessing Exposures of Employee: Loss Frequency 154
Mortality Rates 154
Poor Health 155
Old Age and Retirement 157
Unemployment 158
Assessing Loss Exposures: Loss Severity 159
Potential Loss of Earnings: Human Life Value 159 j
The Needs Approach 162 1
Additional Expenses 164 xiii
Assessing Direct Exposures of Organizations 165 Contents
Key Person Losses 165
Credit Losses 166
Business Discontinuation Losses 166
Appendix 7.1. Historical Perspective: Allocating the
Burden of Misfortune and Poverty 168
Premature Death 169
Poor Health 169
Excessive Longevity 170
Unemployment 171
Summary: Government and Employer Sponsored Programs in Society 171
Key Concepts 172
Review Questions 173
References and Suggestions
for Additional Reading 173
Part Three
RISK MANAGEMENT METHODS AND TECHNIQUES
SECTION ONE: AN OVERVIEW OF RISK MANAGEMENT
RESOURCES AND METHODS 176
8. Risk Control 177
Learning Objectives 177
Introduction 177
What Is Risk Control and When Is It Used? 178
The Relationship of Risk Control to Risk Assessment 178
The Relationship of Risk Control to Risk Financing 179
Risk Control and Speculative Risks 180
Risk Control Tools and Techniques 181
Risk Avoidance 181
Loss Prevention and Loss Reduction 183
Loss Reduction 185
Information Management 187
Risk Transfer 188
Risk Control, Government and Society 189
Private and Non Profit Efforts 190
Governmental Efforts 190
Key Concepts 193
Review Questions 194
References and Suggestions
for Additional Reading 195
9. Risk Financing Techniques I 196
!
xiv Learning Objectives 196
Contents Introduction 196
Types of Risk Financing Methods 198
Retention 199 :
Funding Arrangements 200 j
Insurance Transfers 202 j 7
Elements of an Insurance Transaction 202
Pooling of Resources Contrasted with Pooling of Risk 203
Pooling Agreements and Combination 205
Noninsurance Risk Financing Transfers 206
Some Examples 206
Hedging or Neutralization 207 j
Considerations Affecting Choice between Retention and Transfer 209 {
Legal, Economic, and Public Policy Limitations 210 !
Degree of Control 210
Insurance Loading Fees 211
Value of Services Provided by Insurers 211
Opportunity Costs 213
Tax Considerations 213
Retention May Be the Only Possible Method 214
Summary 214
Key Concepts 215
Review Questions 215
References and Suggestions
for Additional Reading 216
10. Risk Financing Techniques II 217
Learning Objectives 217
Introduction 217
The Risk Financing Continuum 218
Transfer or Mostly Transfer Techniques 219
Guaranteed Cost Insurance 219
Experience Rated Insurance 220
Retrospective Rating 221
Transfer/Retention Techniques 223
Consumer Proprietaries/Cooperatives 223
Self Insurance Pools 224
Risk Retention Groups 226
The Identity of Pool Participants 228
Administrative Services Only (ASO)/Minimum Premium (MPP) or
Stop Loss Plans 229
Pooling through Taxing Authority 230
Retention or Mostly Retention Techniques 231
Captive Insurers 231
Finite or Risk Insurance Plans 233
The Increasing Importance of Risk Retention 234
Key Concepts . 235
Review Questions 236 ,
References and Suggestions 1
for Additional Reading 236 xv
SECTION TWO: DECISION METHODS: OBJECTIVES AND ANALYSIS 238 Contents
11. A Rationale for Risk
Management in Organizations 239
Learning Objectives 239
Introduction 239
Expected Utility and a Risk Averse Individual s Demand for
Insurance 240
Limitations of an Expected Utility Rationale 242
The Demand for Insurance in the Context of a Portfolio of Assets 243
Limitations and Qualifications of
Portfolio Approaches 246
The Effects of Risk Management in a
Frictionless Market 246
The Function of Managers 247
Questions Left Unanswered 248
Frictionless Markets and Public Sector
Risk Management 249
Public Finance 249
Proprietary and Governance Functions 250
Governance Functions in Risk Management 251
Insurance, Risk Management and
Stakeholder Interests 252
Managerial Incentives 253
Corporate Insurance Purchases 254
Summary: The Rationale for Insurance
Purchases by Organizations 257
Risk Management in Organizations 257
How These Principles Can Explain
Mortgage Insurance 258
Appendix 11.1. The Value of a Commitment to
Restore Damaged Assets 259
Appendix 11.2. Taxation and Corporate
Insurance Purchases 261
Key Concepts 263
Review Questions 264
References and Suggestions
for Additional Reading 265
12. Risk Management Decision Methods:
Data Organization and Analysis 267
Learning Objectives 267
Introduction 268
Elements Common to Risk
Management Problems 269
Time Horizons 269
Measuring Benefits and Costs 269
I
xyi Recognition of Uncertainty 270
Contents Data Credibility 270
Recognition of Externalities 270
Identification of Interdependency 271
Reviewing Insurance Priorities 271
Initial Listing 272
Revised Listing 273
Identification of Break Even Points Limitations 274
Limitations 275
Willingness to Pay for Claims Management
and Other Services Related to Insurance
Coverage ( Worry Costs ) 276
Categories of Risk Management Costs 277
Use of Insurance Data to Estimate Costs 278
Worry Costs and the Nature of the Exposure to Loss 280
Limitations 282
Evaluating Long Term Projects in
Publicly Held Corporations 282
Valuation of a Project in an Efficient Market 283
The Brealey Myers Adjusted Present Value Method 284
A Benchmark Valuation 286
How Is the Value of Beta Determined ? 287
Adjusting Estimated NPVfor Possible Side Effects 288
Evaluating Long Term Projects in the
Public Sector 289
Allocating Cost Burdens 290
Use of Financial Ratios in Risk Management 292 *
Leverage Ratios 292
Liquidity Ratios 293
Market Valuation Ratios 295
Key Concepts 296
Review Questions 296
References and Suggestions
for Additional Reading 298
Part Four
INSURANCE INSTITUTIONS AND COVERAGES
13. An Introduction to the
Insurance Industry 301
Learning Objectives 301
Introduction 301
Four Conceptual Issues 302
Benefits and Costs of Insurance 302
I
Characteristics of Insured Risks 306 xvii
Distinguishing Insurance from Gambling 311 contents
Distinguishing Insurance from Bonding 311
Insurance Functions and Services 312
Underwriting 313
Inspection, Engineering, and Loss Prevention 313
Investment 314
Loss Adjustment 315
Summary 316
The Insurance Industry Today 316
Types of Insurers 316
Groups and Cooperative Reinsurance and
Underwriting Associations 327
Key Concepts 328
Review Questions 328
References and Suggestions
for Additional Reading 330
14. The Pricing of Insurance 331
Learning Objectives 331
Introduction 331
Terminology and Basic Concepts 332
Insurance Rate and Insurance Premium 332
Pricing and Rating Procedure 332
Claims Data 333
Loading and Target Loss Ratios 333
Other Factors Considered in Pricing Methods 336
Pricing Objectives 336
Basic Pricing Methods 337
Loading Methods in Standard Insurance Products 337
Loading in Claims Servicing Agreements 339
Dividends 339
Principal Rating Procedures 340
Individual or judgment Rating 340
Class Rating 341
Modification Rating 343
Rating Organizations 346
Appendix 14.1. Pricing of Individual Life Insurance 347
Key Concepts 353
Review Questions 353
References and Suggestions
for Additional Reading 354
15. Insurance Regulation and Financial Assessment 356
Learning Objectives 356
Introduction 356
Overview of Insurance Regulation 358
Reasons Why Insurance Is Regulated 358
xviii Level of Government at Which the Regulatory Function Exists 358
Contents Historical Development of State
Insurance Regulation 359
Development of Commission Regulation 360
The Southeastern Underwriters
Association Decision 362
The Consequences of the SEUA Decision 362
Enactment of the McCarran Ferguson Act 363
Action by the States since 1944 364
Action by the Federal Government since 1944 365
The Structure and Functions of State Insurance Regulation 367
Functional Organization of State Commissions 367
General Statutory Powers and Duties 367
State Level Guaranty Associations 370
Financial Assessment of Property Liability Insurers 374
Measures of Performance and Solvency 375
The Issue of Reinsurance 378
Financial Assessment of Life and Health Insurers 380
Performance Assessment 382
Appendix 15.1. An Introduction to Property Liability
Insurance Accounting 385
Appendix 15.2. An Introduction to Life Insurance Accounting 393
Key Concepts 397
Review Questions 398
References and Suggestions
for Additional Reading 400
16. Legal Aspects of Insurance Contracts 402
Learning Objectives 402
Introduction 402
A Legal Definition of Insurance 403
Requirements for a Valid Contract 404
Distinguishing Features of Insurance Contracts 406
Personal Contract 406
Unilateral Contract 407
Conditional Contract 408
Aleatory Contract 408
Contract of Adhesion 408
Contract of the Utmost Good Faith 409
Valued and Indemnity Contracts 410
A Contract Employing Subrogation 411
Disclosure of Information by the Insured 412
Breach of Warranty 413
Misrepresentation 413
Concealment 414
Statutory Modifications 415
Rights of Insured at Variance with
Policy Provisions 416
Waiver and Estoppel 416 xix
Reasonable Expectations 417 Contents
Authority of Agents 418
Agent s Authority to Commit Insurer to Coverages 418
Agent s Authority in Accepting Information
Disclosed by Insureds 420
Standardization 421
Key Concepts 422
Review Questions 422
References and Suggestions
for Additional Reading 424
17. Insurance Contract Analysis:
Property and Liability Coverage 425
Learning Objectives 425
Introduction 425
Contract Analysis and Claims Negotiation 426
Coverage Analysis, Risk Financing,
and Risk Identification 426
A Basic Consideration: Understanding
Contract Structure 427
The Initial Review 427
Major Section Headings 428
A Framework for Analysis 431
Property Insurance: Events Covered 431
Perils Covered 432
Property Covered 435
Persons Insured 435
Losses Reimbursed 437
Locations Covered 437
Time Period Covered 437
Other Conditions Restricting Covered Events 438
Property Insurance: Amount of Recovery 438
Measure of Loss 439
Insurable Interest 439
Duplicate Coverage 440
Contract Limits 441
Coinsurance and Other Insurance to Value
Requirements 442
Deductible Clauses 445
Property Insurance: Procedure for Securing
Payment of Benefits 446
Liability Insurance: Events Covered 446
Situations Triggering Coverage 446
Persons Insured 449
Losses Reimbursed 449
Locations Covered 449
Time Period Covered 450
Liability Insurance: Amount of Recovery 450
?
xx Contract Limits 450
Contents Duplicate Coverage 452
Excess of Loss Coverage 452
Umbrella Liability Insurance 454
Deductibles and Other Provisions for Loss Sharing 454
Key Concepts 454
Review Questions 455
References and Suggestions
for Additional Reading 456
18. Insurance Contract Analysis: •
Life Insurance 457 I
Learning Objectives 457
Introduction: Perspective for Analysis 457
Basic Concepts Related to the Structure of Coverage 459
Persons with an Economic or Legal Interest Identified
in the Contract 461
The Investment Element in Life Insurance 462
The Source of the Investment Element 462
Risks Borne by Parties to a Life Insurance Contract 466
Allocation of Mortality Risks and Burdens of Adverse Selection 466
Allocation of Investment Risks 467
Traditional and Universal Life Coverage 468
Summary 470
Options and Other Features of Life Insurance 471
Riders and Other Optional Benefits
Purchased at Policy Issue 472
Standard Contract Provisions 473
Option Clauses 475
Appendix 18.1. Evaluation of the Investment Element in
Life Insurance 480
Appendix 18.2. Evaluation of Life Insurance Products 464
Key Concepts 486
Review Questions 486
References and Suggestions
for Additional Reading 487
19. Insurance Contract Analysis:
Health Insurance 488
Learning Objectives 488
Introduction 488
Moral Hazards and Health Insurance 489
Insurance for Health Care Services 491
Events Covered 492 ,
Form of Recovery 493 xxi
Form of Recovery and Types of Insuring Organizations 494 Contents
Contractual Provisions Affecting Amount of Recovery 496
Direct Controls 500
Summary 500
Insurance for Loss of Income: Basic Concepts 501
Events Covered 501
Amount of Recovery 502
Renewal Provisions 502
Key Concepts 503
Review Questions 505
References and Suggestions
for Additional Reading 506
Part Five
TOPICS IN RISK MANAGEMENT
ADMINISTRATION
20. An Overview of Risk Management Administration 509
Learning Objectives 509
Introduction 509
Policies and Procedures 510
Risk Management Policy Statement 511
Organization 514
Manuals 516
Information Management 517
Risk Communication 518
Risk Management Information Systems 519
Reporting 520
Allocation Systems 520
Contracted Service Management 523
Management of Agents/Brokers 524
Bidding 525
Certificates of Insurance 527
Security for Risk Financing Programs 528
Claims Supervision 529
Property Claims 529
Third Party or Liability Claims 530
Human Resource Claims 530
Discussion 531
Program Review and Monitoring 531
Ongoing Monitoring 532
Program Audits 532
Appendix 20.1. One Suggested Outline for a Risk Management
Manual 533
xxii Key Concepts 533 f
Contents Review Questions 534 3
References and Suggestions
for Additional Reading 534
21. Property and Liability
Insurance Contracts 536
Learning Objectives 536
Introduction 536
Property and Liability Coverages 537
The Commercial Property Coverage 538
Crime Insurance 543
Commercial Boiler and Machinery Coverage 545
Marine Insurance 545
Commercial General Liability Coverage 547
Automobile Insurance 549
Other Property and Liability Insurance 552
Key Concepts 556
Review Questions 557
References and Suggestions
for Additional Reading 558
22. Social Insurance 559
Learning Objectives 559
Introduction 559
What Is Social Insurance? 560
Social Security, Social Insurance, and
Public Assistance 561
Is Social Insurance Insurance ? 562
Reasons for Social Insurance 562
Social Insurance System of the United States 564
Old Age, Survivors and Disability Insurance 565
Eligibility Requirements 566
Benefits 567
Future Changes and Changes Already Enacted 570
Taxes 571
Funding 571
Issues 571
Medicare 573
Hospital Insurance 574
Supplementary Medical Insurance 575
National Health Insurance Proposals 576
Unemployment Insurance 577
The Role of the Federal Government 577
State Programs 578
Some Important Issues 580
4
Key Concepts 581 xxiii
Review Questions 581 Contents
References and Suggestions
for Additional Reading 582
23. Workers Compensation
and Workplace Safety 583
Learning Objectives 583
Introduction 583
Common Law Liability for Employers 584
Workers Compensation Theory and
Practice: 1911 to Present 587
National Commission on State Workers Compensation Laws 587
The Theory of Workers Compensation 588
Workers Compensation Today 590
Employments Covered 590
Accidents and Diseases Covered 591
Benefits 591
Security Arrangements 594
Workers Compensation outside
the United States 595
Work Injury Compensation in Germany and Great Britain 595
Current Systems around the World 596
Current Issues and Problems with
Workers Compensation 596
Rising Medical Costs 597
Loss Control and Workers Compensation 597
The Expanding Definition of Compensability 598
Fraud and System Abuse 599
Workers Compensation and
Risk Management 600
Loss Control 600
The Americans with Disabilities Act and the Occupational Safety and Health
Administration 600
Workers Compensation Claims Management 601
24 Hour Coverage 603
Ret urn to Work Programs 604
Key Concepts 605
Review Questions 605
References and Suggestions
for Additional Reading 606
24. Employee Benefit Plans 607
Learning Objectives 607
Introduction 607
Scope and Importance 608
Life Insurance and Survivor Benefit Programs 609
xxiv Yearly Renewable Term Insurance 610
Contents Survivor Income Benefits 611
Group Paid Up Life or Group
Universal Life Insurance 612 !
Other Life Insurance Benefits 612 •
Health Benefit Programs, Including
Disability Income 613
Dental, Vision Care, and Prescription
Drug Benefit Programs 613
Temporary Disability Income Insurance 614
Long Term Disability Insurance 615
Disability Provisions in Group Life ;
Insurance Plans 616 {
Disability Provisions in Pension Plans 616
Sick Leave Plans 616
Retirement Income Programs 617
Profit Sharing Plans Contrasted with Pensions 617
Defined Benefit Plans Contrasted with
Defined Contribution Plans 618
Other Factors Affecting Benefit Amounts 619
Integration with OASI 620
Cost of Living Adjustment (COLA) 620
Eligibility Requirements 620
Vesting Provisions 621
Funding Levels 621
Pension Plan Administration 624
The Employee Retirement Income
Security Act of 1974 625
Pension Benefit Guaranty Insurance 626
401(k), 403(b), IRA, SEP, and Other
Salary Reduction Plans 626
Flexible or Cafeteria Benefit Programs 627
Typical Features of Group Benefit Programs 629
The Concept of Group Underwriting 629
Advantages and Disadvantages of Group Coverage 630
The Conversion Privilege 631
Key Concepts 632
Review Questions 633
References and Suggestions
for Additional Reading 634
25. Design Issues in Employee
Benefit Plans 636 j
Learning Objectives 636
Introduction 637
Forces Affecting Program Design 637
Desires of Employees 638
Possible Effects on Behavior of xxv
Employees and Service Providers 639 Contents
Regulatory and Tax Environment 640
The Organization s Mission 643
Basic Decisions in Group Benefit Programs 644
Eligibility Requirements 644
Financing and Administration 645
Information and Communication Systems
in Benefit Programs 647
Nonqualified Deferred Compensation
and Retirement Plans 648
Deferred Compensation 649
Supplemental Executive Retirement
Plan 650
Key Concepts 652
Review Questions 652
References and Suggestions
for Additional Reading 653
INDEXES
Index of Authors and Sources 655
Subject Index 661
|
| any_adam_object | 1 |
| author | Williams, Chester Arthur 1924- Smith, Michael L. Young, Peter C. |
| author_GND | (DE-588)122169050 (DE-588)170812944 |
| author_facet | Williams, Chester Arthur 1924- Smith, Michael L. Young, Peter C. |
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| callnumber-subject | HG - Finance |
| classification_rvk | QQ 600 |
| ctrlnum | (OCoLC)31374093 (DE-599)BVBBV010344893 |
| dewey-full | 658 |
| dewey-hundreds | 600 - Technology (Applied sciences) |
| dewey-ones | 658 - General management |
| dewey-raw | 658 |
| dewey-search | 658 |
| dewey-sort | 3658 |
| dewey-tens | 650 - Management and auxiliary services |
| discipline | Wirtschaftswissenschaften |
| edition | 7. ed. |
| format | Book |
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| id | DE-604.BV010344893 |
| illustrated | Not Illustrated |
| indexdate | 2024-07-09T17:50:53Z |
| institution | BVB |
| isbn | 0070705844 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-006885865 |
| oclc_num | 31374093 |
| open_access_boolean | |
| owner | DE-739 DE-473 DE-BY-UBG |
| owner_facet | DE-739 DE-473 DE-BY-UBG |
| physical | XXXII, 680 S. |
| publishDate | 1995 |
| publishDateSearch | 1995 |
| publishDateSort | 1995 |
| publisher | McGraw-Hill |
| record_format | marc |
| spelling | Williams, Chester Arthur 1924- Verfasser (DE-588)122169050 aut Risk management and insurance C. Arthur Williams Jr.; Michael L. Smith ; Peter C. Young 7. ed. New York u.a. McGraw-Hill 1995 XXXII, 680 S. txt rdacontent n rdamedia nc rdacarrier Assurance ram Assurances de l'entreprise ram Gestion du risque ram Mercado (economia) larpcal Risk management gtt Verzekeringen gtt Business insurance Insurance Risk management Versicherungsbetriebslehre (DE-588)4078850-7 gnd rswk-swf Versicherung (DE-588)4063173-4 gnd rswk-swf Risikomanagement (DE-588)4121590-4 gnd rswk-swf Risikomanagement (DE-588)4121590-4 s Versicherung (DE-588)4063173-4 s DE-604 Versicherungsbetriebslehre (DE-588)4078850-7 s 1\p DE-604 Smith, Michael L. Verfasser aut Young, Peter C. Verfasser (DE-588)170812944 aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006885865&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis 1\p cgwrk 20201028 DE-101 https://d-nb.info/provenance/plan#cgwrk |
| spellingShingle | Williams, Chester Arthur 1924- Smith, Michael L. Young, Peter C. Risk management and insurance Assurance ram Assurances de l'entreprise ram Gestion du risque ram Mercado (economia) larpcal Risk management gtt Verzekeringen gtt Business insurance Insurance Risk management Versicherungsbetriebslehre (DE-588)4078850-7 gnd Versicherung (DE-588)4063173-4 gnd Risikomanagement (DE-588)4121590-4 gnd |
| subject_GND | (DE-588)4078850-7 (DE-588)4063173-4 (DE-588)4121590-4 |
| title | Risk management and insurance |
| title_auth | Risk management and insurance |
| title_exact_search | Risk management and insurance |
| title_full | Risk management and insurance C. Arthur Williams Jr.; Michael L. Smith ; Peter C. Young |
| title_fullStr | Risk management and insurance C. Arthur Williams Jr.; Michael L. Smith ; Peter C. Young |
| title_full_unstemmed | Risk management and insurance C. Arthur Williams Jr.; Michael L. Smith ; Peter C. Young |
| title_short | Risk management and insurance |
| title_sort | risk management and insurance |
| topic | Assurance ram Assurances de l'entreprise ram Gestion du risque ram Mercado (economia) larpcal Risk management gtt Verzekeringen gtt Business insurance Insurance Risk management Versicherungsbetriebslehre (DE-588)4078850-7 gnd Versicherung (DE-588)4063173-4 gnd Risikomanagement (DE-588)4121590-4 gnd |
| topic_facet | Assurance Assurances de l'entreprise Gestion du risque Mercado (economia) Risk management Verzekeringen Business insurance Insurance Versicherungsbetriebslehre Versicherung Risikomanagement |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006885865&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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