Risk Management for Individuals and Enterprises | Etti Baranoff, Patrick Lee Brockett, Yehuda Kahane, and Dalit Baranoff

- 1Understanding Risk
  - 1.1Links
  - 1.2Defining Risk
  - 1.3Attitudes toward Risks
  - 1.4Types of Risks—Risk Exposures
  - 1.5Perils and Hazards
  - 1.6Review and Practice
- 2Measuring Risk
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  - 2.1Links
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  - 2.2Quantification of Uncertainty via Probability Models
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  - 2.3Measures of Risk
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  - 2.4Review and Practice
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- 3Managing Risk
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  - 3.1Links
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  - 3.2The Risk Management Function
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  - 3.3Risk Identification and Communication
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  - 3.4Projected Frequency and Severity and Cost-Benefit Analysis
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  - 3.5Risk Management Alternatives: The Risk Management Matrix
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  - 3.6Comparisons to Current Risk-Handling Methods
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  - 3.7Appendix: Forecasting
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  - 3.8Review and Practice
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- 4Enterprise Risk Management, Sustainability, and InsurTech Innovations
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  - 4.1Links
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  - 4.2Enterprise Risk Management within Firm Goals: Maximizing Value and Sustainability
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  - 4.3Risk Management and the Firm’s Financial Statement
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  - 4.4InsurTech Innovations in Risk Management and Insurance
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  - 4.5Review and Practice
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- 5Financial Risk Management Using the Capital Markets
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  - 5.1Links
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  - 5.2Using Derivatives as Hedging Instruments
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  - 5.3Securitization
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  - 5.4Appendix: Hometown Bank’s Financial Risk Management (A Case Study)
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  - 5.5Review and Practice
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- 6The Insurance Solution
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  - 6.1Links
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  - 6.2The Nature of Insurance
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  - 6.3Ideal Requisites for Insurability
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  - 6.4Types of Insurance and Insurers
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  - 6.5Appendix: More Exposures, Less Risk
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  - 6.6Review and Practice
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- 7Insurance Operations
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  - 7.1Links
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  - 7.2Insurance Operations: Marketing, Underwriting, and Administration
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  - 7.3Insurance Operations: Actuarial Analysis and Investment
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  - 7.4Insurance Operations: Reinsurance, Legal and Regulatory Issues, Claims Adjusting, and Management
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  - 7.5Appendix: Modern Loss Reserving Methods in Long Tail Lines
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  - 7.6Review and Practice
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- 8Insurance Underwriting Cycles and Regulation
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  - 8.1Links
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  - 8.2Property/Casualty Insurance Market Conditions: Underwriting Cycles
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  - 8.3Insurance Regulation
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  - 8.4Review and Practice
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- 9Insurance Contracts I: Fundamental Doctrines
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  - 9.1Links
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  - 9.2Agency Law: Application to Insurance
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  - 9.3Requirements of a Contract
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  - 9.4Distinguishing Characteristics of Insurance Contracts
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  - 9.5Review and Practice
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- 10Insurance Contracts II: Structure and Analysis
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  - 10.1Links
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  - 10.2Entering into the Contract
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  - 10.3The Contract
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  - 10.4Review and Practice
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- 11Property Risk Management, Cyber Risk, and Global Risk Exposures
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  - 11.1Links
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  - 11.2Property Risks
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  - 11.3Cyber Property Risks
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  - 11.4Global Risks
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  - 11.5Review and Practice
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- 12Liability Exposures
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  - 12.1Links
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  - 12.2Nature of Liability Exposures
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  - 12.3Major Sources of Liability
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  - 12.4Possible Solutions
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  - 12.5Review and Practice
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- 13Multirisk Management Contracts I: Homeowners
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  - 13.1Links
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  - 13.2Packaging Coverage, Homeowners Policy Forms, and the Special Form (HO-3)
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  - 13.3Endorsements
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  - 13.4Other Risks
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  - 13.5Personal Umbrella Liability Policies
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  - 13.6Shopping for Homeowners Insurance
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  - 13.7Review and Practice
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- 14Multirisk Management Contracts II: Auto
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  - 14.1Links
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  - 14.2The Fault System and Financial Responsibility Laws
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  - 14.3Ensuring Auto Insurance Availability
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  - 14.4Types of Automobile Policies and the Personal Automobile Policy
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  - 14.5Auto Insurance Premium Rates
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  - 14.6Review and Practice
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- 15Multirisk Management Contracts III: Business
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  - 15.1Links
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  - 15.2Commercial Package Policy and Commercial Property Coverages
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  - 15.3Commercial General Liability Policy and Commercial Umbrella Liability Policy
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  - 15.4Other Property and Liability Coverages
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  - 15.5Other Liability Risks
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  - 15.6Review and Practice
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- 16Social Insurance Programs I: Workers’ Compensation and Unemployment Insurance
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  - 16.1Links
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  - 16.2Workers’ Compensation Laws and Benefits
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  - 16.3Workers’ Compensation Financial Arrangements, Loss Control and Residual Market
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  - 16.4Unemployment Compensation
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  - 16.5Review and Practice
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- 17Life Cycle Financial Risks
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  - 17.1Links
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  - 17.2Risks Related to Mortality
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  - 17.3Risks Related to Longevity
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  - 17.4Risks Related to Health and Disability
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  - 17.5Global Trends and Their Effect on Demography and Life Cycle Risks
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  - 17.6Review and Practice
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- 18Social Insurance Programs II: Social Security and Medicare
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  - 18.1Links
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  - 18.2Definition, Eligibility, Benefits, and Financing of Social Security
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  - 18.3Medicare
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  - 18.4Issues and Global Trends in Social Security
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  - 18.5Review and Practice
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- 19Mortality Risk Management (Life Insurance)
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  - 19.1Links
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  - 19.2How Life Insurance Works
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  - 19.3Life Insurance Products
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  - 19.4Taxation, Major Policy Provisions, Riders, and Adjusting Life Insurance for Inflation
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  - 19.5Group Life Insurance for Employee Benefits
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  - 19.6Review and Practice
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- 20Employment-Based Risk Management
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  - 20.1Links
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  - 20.2Overview of Employee Benefits and Employer Objectives
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  - 20.3Nature of Group Insurance
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  - 20.4The Flexibility Issue, Cafeteria Plans, and Flexible Spending Accounts
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  - 20.5Federal Regulation Compliance, Benefits Continuity and Portability, and Multinational Employee Benefit Plans
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  - 20.6Review and Practice
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- 21Longevity Risk Management
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  - 21.1Links
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  - 21.2The Nature of Qualified Pension Plans
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  - 21.3Types of Qualified Plans, Defined Benefit Plans, Defined Contribution Plans, Other Qualified Plans, and Individual Retirement Accounts
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  - 21.4Annuities
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  - 21.5Pension Plan Funding Techniques
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  - 21.6Review and Practice
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- 22Health Risk Management (Health Insurance)
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  - 22.1Links
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  - 22.2Health Insurance Plan Design
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  - 22.3Group Health Insurance
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  - 22.4Individual Health Insurance
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  - 22.5Disability Insurance, Long-Term Care Insurance, and Medicare Supplementary Insurance
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  - 22.6Review and Practice
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- 23Cases in Holistic Risk Management
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  - 23.1Links
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  - 23.2Case 1: The Smith Family Risk Portfolio
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  - 23.3Case 2: Galaxy Max, Inc., Employee Benefits Package
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  - 23.4Review and Practice
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- ASample Homeowner's Special Form
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  - A.1Sample Homeowners Special Form (HO-3) HO 00 03 05 11
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- BSample Personal Automobile Policy
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  - B.1Sample Personal Automobile Policy (PAP) PP 00 01 09 18
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