Introduction to risk management and insurance:
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Upper Saddle River, NJ
Prentice Hall
2002
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| Ausgabe: | 7. ed. |
| Schriftenreihe: | Prentice Hall finance series
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| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XXI, 580 S. Ill., graph. Darst. |
| ISBN: | 0130328111 |
Internformat
MARC
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| 245 | 1 | 0 | |a Introduction to risk management and insurance |c Mark S. Dorfman |
| 250 | |a 7. ed. | ||
| 264 | 1 | |a Upper Saddle River, NJ |b Prentice Hall |c 2002 | |
| 300 | |a XXI, 580 S. |b Ill., graph. Darst. | ||
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| 490 | 0 | |a Prentice Hall finance series | |
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| 650 | 7 | |a Versicherung |2 swd | |
| 650 | 4 | |a Insurance | |
| 650 | 4 | |a Risk (Insurance) | |
| 650 | 4 | |a Risk management | |
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Datensatz im Suchindex
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| adam_text | Brief Contents
Preface xvii
Chapter 1 Fundamentals and Terminology 1
Chapter 2 Defining the Insurable Event 18
Chapter 3 Risk Management 43
Chapter 4 Financial Services Companies 66
Chapter 5 Insurance Occupation 86
Chapter 6 The Insurance Market: The Economic Problem 115
Chapter 7 Insurance Regulations 133
Chapter 8 Insurance Contracts 157
Chapter 9 Basic Property and Liability Insurance Contracts 179
Chapter 10 Homeowners Insurance 195
Chapter 11 The Personal Auto Policy 222
Chapter 12 Professional Financial Planning 239
Chapter 13 Life Insurance Policies 259
Chapter 14 Annuities 282
Chapter 15 Medical Expense and Disability Insurance 294
Chapter 16 Standard Life Insurance Contract Provisions and Options 314
Chapter 17 Advanced Topics in Risk Management 329
Chapter 18 Commercial Property Insurance 355
Chapter 19 General Liability Insurance 375
Chapter 20 Special Liability Insurance 387
Chapter 21 Bonding, Crime Insurance, and Reinsurance 408
Chapter 22 Employee Benefits 422
Chapter 23 Social Security 447
Chapter 24 Unemployment and Workers Compensation Insurance 464
Glossary 479
Appendix A: Homeowner s Insurance Policy 495
Appendix B: Personal Auto Policy 539
Appendix C: Sample Whole Life Insurance Policy and Application 553
Appendix D: Answers to Objective Questions 569
Index 577
Contents
Preface
Chapteri FUNDAMENTALS AND TERMINOLOGY 1
Chapter Objectives 1
Introduction 2
Insurance Defined 2 • Financial Definition 2 • Legal Definition 4 • Loss, Chance of Loss,
Peril, Hazard, and Proximate Cause 4 • Loss 4 • Chance of Loss 5 • Peril And Hazard 5 •
Proximate Cause 6 • Risk 6 • Risk Management 8 • The Mathematical Basis for Insurance 8 •
A Mathematical Example of an Insurance System s Operations 9 • Building Blocks of an
Insurance Premium 10 • Four Basic Components 10 • Cash Flow Underwriting 10 • Costs 12
• Benefits 12 • Arson: Who Really Pays for Insured Losses 13 • Summary 15 • Review
Terms 15 • Review 16 • Objective Questions 16 • Discussion Questions 16 • Research
Assignment 17
ChaPter2 DEFINING THE INSURABLE EVENT 18
Chapter Objectives 18
Introduction 18
Ideally Insurable Loss Exposures 2 • A Large Group of Similar Units Exposed to the Same
Peril(s) 20 • Losses Must Be Accidental and Beyond the Insureds Control 20 • Losses
Must Be Definite, Measurable, and of Sufficient Severity to Cause Economic Hardship 21
• The Impact of Recent Catastrophic Losses 23 • When Only the People Most Exposed to a
Particular Loss Want Coverage, This Loss is Not an Insurable Event 25 • Gambling Losses
are Not Insurable Events 27 • Some Speculative Risks Might Be Insurable Events 27 •
Risk Classification and Insurable Events 28 • Subsidization 28 • Adverse Selection 29 •
Principles of Risk Classification 30 • Branches of Insurance 31 • Liability Insurance 33 •
Legal Background 34 • Negligence 34 • Negligence Lawsuits 35 • Establishing
Negligence and Damages 35 • Defenses in a Negligence Suit 37 • The Relationship
Between Negligence and Legal Liability Insurance 38 • Questions of Fact 38 • Legal
Judgments 39 • Ethics, Liability Insurance, and the Insurable Event 39 • Summary 40 •
Review Terms 41 • Review 41 • Objective Questions 42 • Discussion Questions 42 •
Research Assignment 42
Chapter 3 RISK MANAGEMENT 43
Chapter Objectives 43
Introduction 43
The Risk Management Function 44 • Risk Management Staff 44 • RIMS 44 • Statement of
Objectives and Principles 45 • The Risk Management Process 46 • Step One: Identification
and Measurement of Exposures 46 • Direct Property Losses 47 • Loss of Income 49 • Liability
Losses 49 • Loss of Key Personnel 50 • Estimation of Maximum Loss 51 • Emergency
Planning—Disaster Recovery 51 • Step Two: Loss Control and Risk Financing 52 • Loss
Control 52 • Risk Financing 54 • Step Three: Regular Review of the Risk Management
Program 59 • Summary 60 • Case Studies 63 • Texas Bank Tornado 63 • Risk Management at
a Television Station 64 • Appendix: Personal Risk Management 64
Chapter4 FINANCIAL SERVICES COMPANIES 66
Chapter Objectives 66
Introduction 66
Two Different Types of Insurance Companies 68 • Stock Insurance Companies 68 • Mutual
Insurance Companies 68 • Demutualization 70 • Lloyd s of London 71 • Lloyd s of London is
an Insurance Market 72 • Other Legal Forms of Insurance Companies 72 • Fraternal Insurers
73 • Savings Bank Life Insurance 73 • Blue Cross and Blue Shield 73 • Health Maintenance
Organizations (HMOs) and Preferred Provider Organizations (PPOs) 74 • Industrial
Organization 76 • Insurance Industry 77 • Summary 78 • Review Terms 79 • Review 79 •
Objective Questions 79 • Discussion Questions 80 • Research Assignment 80 • Appendix:
Insurance and Private Enterprise: The Potential for Eastern Europe 80
Chapter5 INSURANCE OCCUPATIONS 86
Chapter Objectives 86
Introduction 86
Insurance Marketing and Distribution 88 • Insurance Agents and Brokers 89 • Agency Law
89 • Insurance Broker 91 • Licensing Requirements 92 • Property and Liability Insurance Agents
and Brokers 92 • Life Insurance Agents and Brokers 93 • An Insurance Agent s Duties 95 • Loss
Adjuster 96 • Employees, Independent Adjustment Bureaus, and Public Adjusters 97 •
Adjusters are Agents 98 • Underwriter 99 • Adverse Selection 100 • Property Insurance
Underwriting 101 • Life Insurance Underwriting 101 • Underwriting and Privacy 102 •
Actuary 103 • Attorney 103 • Finance 104 • Other Occupations 104 • Summary 105 •
Review Terms 105 • Review 106 • Objective Questions 106 • Discussion Questions 106 •
Research Assignments 107 • Appendix: Legal Issues Involving Insurance Agents and
Brokers 107 • Appendix: The Ethical Choice 108 • Suggestions For Further Study 114
Chapter6 THE INSURANCE MARKET: THE ECONOMIC
PROBLEM 115
Chapter Objectives 115
Introduction 115
Economic Theory 116 • Supply and Demand 116 • Historical Problems 118 • The Insurance
Consumer 120 • The Consumer s Choice: Company, Agent or Broker, Policy, Amount, and Price 121
• Consumer Protection: The Role of the Courts , the Law, and the Insurance Commissioner
126 • The Courts 126 • The Law 127 • The Insurance Commissioner 127 • Summary 128 •
Review Terms 128 • Review 128 • Objective Questions 129 • Discussion Questions 129 •
Research Assignment 129 • Appendix: Further Consideration of Supply and Demand 130
Chapter7 INSURANCE REGULATION 133
Chapter Objectives 133
Introduction 133
Insurance Regulation 134
The Reasons For Insurance Regulations 134 • Solvency 135 • Unequal Knowledge and
Bargaining Power 135 • Prices 136 • Promotion of Social Skills 137 • The History of Insurance
Regulation 137 • Armstrong and Merritt Investigations 138 • South Eastern Underwriters
Association (SEUA) 138 • The McCarran Ferguson Act 138 * Gramm Leach Bliley Act of 1999
(GLB) 139 • State or Federal Regulation? 141 • State Insurance Regulation 141 • The
National Association of Insurance Commissioners (NAIC) 142 • Repeal of the McCarran
Ferguson Act: Both Sides of the Argument 142 • Regulated Activities 144 • Legal Reserves and
Surplus 144 • Regular Audits and Solvency Testing 147 • Guaranty Funds 149 • Rate
Regulations 150 • Investment Activities 150 • Policy Form Approval and Expense Limitations
151 • Qualifications or Licenses for Companies, Agents, Brokers, Loss Adjusters, and Company
Officers 151 • Consumer Complaints 153 • Taxation 153 • Summary 153 • Review Terms 154
• Review 154 • Objective Questions 155 • Discussion Questions 155 • Research
Assignment 155 • Appendix: The McCarran Ferguson Act (P.L. 15)
Chapter 12 PROFESSIONAL FINANCIAL PLANNING 239
Chapter Objectives 239
Introduction 239
The Professional Financial Planning Process 240 • The Early Adult Years 241 • The Needs
Based Purchase of Life Insurance 242 • Life Insurance Planning: A Case Study 243 • Insurance
for Wives, Children, and College Students 244 • The Middle Years 247 • The Later Years 248 •
Wills 248 • Federal Estate Tax 249 • Liquidating Retirement Savings 251 • Business Uses of
Life Insurance 251 • Funding Business Continuation Agreements with Life Insurance 252 • The
Taxation of Life Insurance 253 • Death Proceeds 253 • Living Benefits: Dividends, Savings, and
Accelerated Death Benefits 254 • Summary 255 • Review Terms 255 • Review 255 •
Objective Questions 256 • Discussion Questions 256 • Research Assignment 257
Chapter 13 LIFE INSURANCE POLICIES 259
Chapter Objectives 259
Introduction 259
Three Ways Life Insurance is Distributed 260 • Group Life Insurance 260 • Industrial Life
Insurance 261* Individual Life Insurance 262 • Term Insurance 263 • Types of Term Life
Insurance 263 • Uses of Term Life Insurance 265 • Whole Life Insurance 266 • Cash Values 267
• Types of Whole Life Policies 268 • The Uses of Whole Life Insurance 269 • Reasons for Saving
with Life Insurance 269 • A Whole Life Ledger Sheet 270 • Buy Term and Invest the Difference
271 • Universal Life Insurance 272 • Universal Life Insurance Policies 273 • Universal Life
Insurance Death Benefits 273 • Uses of Universal Life Insurance 273 • Ledger Sheet for Universal
Life Insurance 275 • Variable Life Insurance, Variable Universal Life Insurance 276 •
Summary 277 • Review Terms 278 • Review 278 • Objective Questions 279 • Discussion
Questions 279 • Research Assignment 280 • Appendix: Endowment Life Insurance 280
Chapter 14 ANNUITIES 282
Chapter Objectives 282
Introduction 282
Classification of Annuities 283 • Beginning of Benefits 284 • Promises Purchased 286 • Number
of Annuitants 288 • Determination of Annuity Benefits 288 • Types of Benefits 289 • Taxation
of Annuities 290 • Withdrawal Before Liquidation 290 • Withdrawals in Liquidation 290 •
Summary 291 • Review Terms 291 • Review 291 • Objective Questions 292 • Discussion
Questions 292 • Research Assignment 293
Chapter 15 MEDICAL EXPENSE AND DISABILITY
INSURANCE 294
Chapter Objectives 294
Introduction 294
Background Information 295 • Increasing Health Care Costs 296 • Medical Inflation 296 •
Cost Containment 298 • Common Contract Provisions 299 • Entire Contract 299 • Grace Period
299 • Reinstatement 299 • Incontestable Clause 299 • Claims 300 • Physical Exam and Autopsy
300 • Legal Action 300 • Change of Beneficiary 300 • Optional Contract Provisions 300 •
Definitions and Exclusions 301 • Five Kinds of Health Insurance Coverage 302 • Basic Medical
Expense Insurance 302 • Major Medical Insurance 303 • Disability Income Insurance 304 •
Medicare Supplement Insurance 305 • Long Term Care Insurance 306 • Demographics 306 • The
Financial Problem 307 • Long Term Care Policy Development 307 • The Continuing Debate 308 •
Health Insurance Providers 309 • Patients Bill of Rights 310 • Summary 311 • Review Terms
311 • Review 311 • Objective Questions 312 • Discussion Questions 312 • Research
Assignment 313
Chapter 16 STANDARD LIFE INSURANCE CONTRACT
PROVISIONS AND OPTIONS 314
Chapter Objectives 314
Introduction 314
Insured, Owner, and Beneficiary 315 • Beneficiary Designation 315 • General Life Insurance
Policy Provisions 316 • Grace Period 316 • The Reinstatement Provision 317 • The
Incontestable Clause 317 • The Entire Contract Provision 318 • The Misstatement of Age
Provision 318 • Annual Apportionment of Divisible Surplus 318 * The Suicide Clause and Other
Restrictive Clauses 320 • Four Options Providing the Insured with Choices 321 • Dividend
Options 321 • Nonforfeiture Options 321 * Policyholder Loans 322 • Settlement Options 323 •
Available Riders and Options 324 • The Guaranteed Insurability Option 325 • The Waiver of
Premium Option 325 • The Double Indemnity Option 325 • Summary 326 • Review Terms
327 • Review 327 • Objective Questions 328 • Discussion Questions 328 • Research
Assignment 328
Chapter 17 ADVANCED TOPICS IN RISK MANAGEMENT 329
Chapter Objectives 329
Introduction 329
Financial Risk Management 329 • The Vocabulary of Financial Risk Management 330 • Two
Examples of Financial Risk Management 331 • Convergence 331 • Financial Intermediation 332
• Catastrophe Risk Transfer 333 • Risk Management Information Systems (RMISs) 335 •
Loss Data 335 • Other Information 336 • Deductibles and Policy Limits 337 • Financial and
Other Considerations 338 • British Petroleum: A Case Study 340 • International Risk
Management 341 • Identification and Measurement of Exposures 342 • Development and
Implementation of Plans 343 • Regular Review and Evaluation 343 • Foreign Insurance 344 •
Europe 344 • Japan 347 • Summary 348 • Review Terms 348 • Review 349 • Objective
Questions 349 • Discussion Questions 350 • Research Assignment 350 • Case Study: Blue
Star Airlines 351
Chapter 18 COMMERCIAL PROPERTY INSURANCE 355
Chapter Objectives 355
Introduction 355
Commercial Insurance 356 • Commercial and Personal Property Insurance 356 • Property and
Marine (Transportation) Insurance 356 • Commercial Package Policy 356 • The Insurance
Services Office (ISO) 357 • Building and Personal Property Form 357 • Property Covered 358
• Property Excluded from Coverage 358 • Perils Covered 358 • Fire Insurance History 359 •
Definition of Fire 360 • Reporting Forms 361 • Business Income Coverage 361 • Additional
Forms 362 • Property Insurance Rating 362 • Transportation Insurance 364 • Ocean Marine
Insurance 364 • Inland Marine Insurance 366 • Aviation Insurance 369 • Automobile
Property Insurance 370 • Business Automobile Insurance 371 • Summary 372 • Review
Terms 373 • Review 373 • Objective Questions 374 • Discussion Questions 374 • Research
Assignment 374
Chapter 19 GENERAL LIABILITY INSURANCE 375
Chapter Objectives 375
Introduction 375
Social Host Liquor Liability Insurance 375 • Social Host Liquor Liability: An Example 375 •
The Facts 376 • Categories of Liability Insurance 376 • Business General Liability Insurance
376 • Commercial General Liability Insurance Form 378 • Business Liability Umbrella
Policies 379 • Automobile Liability Insurance 380 • Summary 384 • Review Terms 384 •
Review 384 • Objective Questions 385 • Discussion Questions 385 • Case Study 385 •
Research Assignment 386
Chapters INSURANCE CONTRACTS 157
Chapter Objectives 157
Introduction 157
Contract Terminology 158 • Binder 159 • Conditional Receipt 159 • Elements of a Valid
Contract 160 • Consideration 160 • Capacity 160 • Legal Purpose 161 • Distinguishing
Characteristics of Insurance Contracts 161 • Principle of Indemnity 161 • Actual Cash Value
164 • Subrogation 164 • Contract of Adhesion 166 • The Personal Feature 169 • Utmost Good
Faith ( Latin: Uberrimae Fidei) 170 • The Entire Contract and Incontestability Clauses 172 • The
Aleatory Feature 173 • Discharge of Insurance Contracts 173 • Summary 174 • Review
Terms 174 • Review 175 • Objective Questions 175 • Research Assignment 176 •
Appendix: Cases for Discussion 176
Chapter9 BASIC PROPERTY AND LIABILITY INSURANCE
CONTRACTS 179
Chapter Objectives 179
Introduction 179
Standard Policies 181 • Basic Parts of an Insurance Policy 181 • Insuring Agreement 182 •
Deductibles 183 • Definitions 183 • Exclusions 184 • Endorsements 185 • Conditions 186 •
Fraud 186 • Suspension of Coverage 187 • Cancellation 187 • Other Insurance 188 • Duties
After a Loss 188 • Appraisal 190 • Salvage 191 • Claims Payment 191 • Conclusion 191 •
Summary 192 • Review Terms 192 • Review 192 • Objective Questions 193 • Case Study
193 • Research Assignment 194
Chapterio HOMEOWNERS INSURANCE 195
Chapter Objectives 195
Introduction 195
A General Description of the HO Insurance Policies 196 • Policy Layout 197 • Definitions 200
• Section 1—Property Coverages 200 • Section 1—Perils Insured Against in the Broad Form,
HO 2 204 • Specified Perils 205 • HO 2 Section 1—Exclusions 207 • Section 1—Conditions 208
• Loss Settlement 209 • Replacement Cost and Coinsurance 209 • Reasons for the Coinsurance
Requirement 211 • Mortgage Clause 212 • Section 2—Liability Coverages 213 • Section 2—
Exclusions 214 • Claims Not Covered Arising from Bodily Injury or Property Damage 215 •
Sections 1 and 2—Conditions 217 • Endorsements 217 • Reduction of Insurance Resulting
from Previous Losses 217 • Summary 218 • Review Terms 219 • Review 219 • Objective
Questions 220 • Research Assignment 221 • Appendix: Buying Homeowners Insurance 221
Chapter 11 THE PERSONAL AUTO POLICY 222
Chapter Objectives 222
Introduction 222
The Tort Liability System and Automobile Insurance: A Review Case 223 • The Personal
Auto Policy Layout 224 • Definitions 214 • Part A—Liability 226 • Limit of Liability 226 •
Insureds 227 • Exclusions 228 • Part B—Medical Payments 229 • Part C—Uninsured
Motorist Coverage 230 • Purpose 230 • Coverage Under the PAP 230 • Contact or No Contact
Rules 231 • The State s Response to Uninsured Motorists 232 • Uninsured Motorists 232 • Part
D—Damage to Your Auto 232 • Loss Settlement 233 • Part E—Duties After an Accident or
Loss 234 • Part F—General Provisions 235 • Summary 236 • Review Terms 237 • Review
235 • Objective Questions 238 • Research Assignment 238
Chapter20 SPECIAL LIABILITY INSURANCE 387
Chapter Objectives 387
Introduction 387
Claims Made and Occurrence Policies 388 • Claims Made Policies 388 • Occurrence
Based Policies 389 • Environmental Impairment Liability 389 • Insurance History 390 •
Risk Management Strategy 392 • Insurance Principles and EIL Coverage 392 • Products
Liability Insurance 393 • Risk Management Strategy 394 • The Controversy 394 •
Professional Liability Insurance 395 • What Is a Professional? 395 • Coverage Clause 396
• Claims Settlement 396 • Types of Professional Liability Coverage 396 • Employment
Practices Liability 398 • Americans With Disabilities Act (ADA) 399 • Nuclear Liability
Insurance 400 • Summary 402 • Review Terms 403 • Review 403 • Objective Questions
404 • Discussion Questions 404 • Research Assignment 405 • Case Studies 405
ChaPter2i BONDING, CRIME INSURANCE,
AND REINSURANCE 408
Chapter Objectives 408
Introduction 408
Surety Bonding 409 • Introductory Terminology 409 • The Reasons for Surety Bonding 410 •
The Difference Between Suretyship and Insurance 410 • Underwriting Bonds 411 • Types of Bonds
411 • Crime Insurance 412 • Reinsurance 413 • Introductory Terminology 413 • Reinsurance
Arrangements 414 • Reinsurance Coverage 415 • Reasons For Reinsurance 417 • Reinsurance and
Risk Management 418 • Providers of Reinsurance 418 • Concluding Comments 418 • Summary
419 • Review Terms 419 • Review 419 • Objective Questions 420 • Discussion Questions
420 • Research Assignment 421
Chapter22 EMPLOYEE BENEFITS 422
Chapter Objectives 422
Introduction 422
The Goals of the Government, Employer, and Employee 424 • The Government 424 • The
Employer 425 • The Employee 425 • Insured Employee Benefits 426 • Qualification Rules 426
• General Features 427 • Group Life Insurance 428 • Group Disability Income Insurance
429 • Long Term Disability 430 • Group Health Insurance 430 • Health Insurance Contracts
430 • General Provisions of Group Health Insurance Contracts 433 • Three Federal Regulations
433 • Insured Pension Plans 434 • Introduction 434 • Requirements for Qualified Plans 435 •
Federal Regulation of Pension Plans 436 • The Role of Insurance in Pension Plans 437 • Profit
Sharing, 401 (k), Keogh, and Cafeteria Plans 438 • 403(b) Plans or Tax Deferred Annuities
(TDAs) 439 • Keogh Plans 439 • Cafeteria Plans 439 • Individual Retirement Account (IRA)
439 • Eligibility for Deductible Contributions 440 • Investment Alternatives 441 • Rollovers 441
• Taxation 441 • Roth IRA 441 • Summary 442 • Review Terms 443 • Review 443 •
Objective Questions 444 • Discussion Questions 444 • Research Assignment 445 •
Appendix: Tax Deferral 445 • The Advantages of Tax Deferral 445
Chapter 23 SOCIAL SECURITY 447
Chapter Objectives 447
Introduction 447
Social Insurance Background 448 • The History and Philosophy of the American Social
Security System 449 • Social Security is not a Public Assistance Program 450 • Social Security
and Private Insurance are Different 450 • Social Security is an Insurance System 451 • The
Operation of the Social Security Program 451 • The Program is Compulsory for Almost Every
Worker 451 • A Tax on Wages is the Main Source of Funds 452 • Benefits are Not Fully Funded
452 • Insured Status and Eligibility for Benefits 453 • Quarters of Coverage 453 • Calculation of
Benefits 453 • Categories of Benefits 454 • Retirement Benefits 454 • Survivor Benefits 455 •
Disability Benefits 456 • Medicare (Health Insurance for the Aged and Disabled) 457 • Some
Current Issues Facing the Social Security System 459 • Will Social Security Be There for
Young and Middle Aged Americans? 459 • The Social Security Surplus and the Federal Deficit
461 * Other Criticism 461 • Summary 461 • Review Terms 462 • Review 462 • Objective
Questions 463 • Discussion Questions 463 • Research Assignment 463
Chapter24 UNEMPLOYMENT AND WORKERS COMPENSATION
INSURANCE 464
Chapter Objectives 464
Introduction 464
Unemployment Insurance 465 • Some Background Information 465 • Operations of the
Unemployment Insurance Program 467 • Is Unemployment Insurance Really Insurance? 467 •
General Provisions of State Programs 468 • Summary—Unemployment Insurance 469 •
Workers Compensation 469 • The Problem 470 • The Solution 470 • The Purposes of Workers
Compensation Laws 472 • Operations of Workers Compensation Systems 473 • Current
Concerns about Workers Compensation 474 * Summary—Workers Compensation 475 • Review
Terms 476 • Review 477 • Objective Questions 477 • Discussion Questions 478 • Research
Assignment 478
Glossary 479
Appendix A: Homeowner s Insurance Policy 495
Appendix B: Personal Auto Policy 539
Appendix C: Sample Whole Life Insurance Policy and Application 553
Appendix D: Answers to Objective Questions 569
Index 571
|
| any_adam_object | 1 |
| author | Dorfman, Mark S. |
| author_GND | (DE-588)171804422 |
| author_facet | Dorfman, Mark S. |
| author_role | aut |
| author_sort | Dorfman, Mark S. |
| author_variant | m s d ms msd |
| building | Verbundindex |
| bvnumber | BV015009389 |
| callnumber-first | H - Social Science |
| callnumber-label | HG8051 |
| callnumber-raw | HG8051 |
| callnumber-search | HG8051 |
| callnumber-sort | HG 48051 |
| callnumber-subject | HG - Finance |
| classification_rvk | QQ 600 |
| ctrlnum | (OCoLC)46394280 (DE-599)BVBBV015009389 |
| dewey-full | 368 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 368 - Insurance |
| dewey-raw | 368 |
| dewey-search | 368 |
| dewey-sort | 3368 |
| dewey-tens | 360 - Social problems and services; associations |
| discipline | Wirtschaftswissenschaften |
| edition | 7. ed. |
| format | Book |
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| id | DE-604.BV015009389 |
| illustrated | Illustrated |
| indexdate | 2024-07-09T19:08:54Z |
| institution | BVB |
| isbn | 0130328111 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-010088482 |
| oclc_num | 46394280 |
| open_access_boolean | |
| owner | DE-N2 DE-11 DE-19 DE-BY-UBM DE-M347 |
| owner_facet | DE-N2 DE-11 DE-19 DE-BY-UBM DE-M347 |
| physical | XXI, 580 S. Ill., graph. Darst. |
| publishDate | 2002 |
| publishDateSearch | 2002 |
| publishDateSort | 2002 |
| publisher | Prentice Hall |
| record_format | marc |
| series2 | Prentice Hall finance series |
| spelling | Dorfman, Mark S. Verfasser (DE-588)171804422 aut Introduction to risk management and insurance Mark S. Dorfman 7. ed. Upper Saddle River, NJ Prentice Hall 2002 XXI, 580 S. Ill., graph. Darst. txt rdacontent n rdamedia nc rdacarrier Prentice Hall finance series Risikomanagement swd Versicherung swd Insurance Risk (Insurance) Risk management 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 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=010088482&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Dorfman, Mark S. Introduction to risk management and insurance Risikomanagement swd Versicherung swd Insurance Risk (Insurance) Risk management Versicherung (DE-588)4063173-4 gnd Risikomanagement (DE-588)4121590-4 gnd |
| subject_GND | (DE-588)4063173-4 (DE-588)4121590-4 |
| title | Introduction to risk management and insurance |
| title_auth | Introduction to risk management and insurance |
| title_exact_search | Introduction to risk management and insurance |
| title_full | Introduction to risk management and insurance Mark S. Dorfman |
| title_fullStr | Introduction to risk management and insurance Mark S. Dorfman |
| title_full_unstemmed | Introduction to risk management and insurance Mark S. Dorfman |
| title_short | Introduction to risk management and insurance |
| title_sort | introduction to risk management and insurance |
| topic | Risikomanagement swd Versicherung swd Insurance Risk (Insurance) Risk management Versicherung (DE-588)4063173-4 gnd Risikomanagement (DE-588)4121590-4 gnd |
| topic_facet | Risikomanagement Versicherung Insurance Risk (Insurance) Risk management |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=010088482&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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