Includes index.

Contents: Fundamentals of risk management and insurance: Risk and its treatment -- The Insurance mechanism -- Fundamentals of risk management -- Additional topics in risk management -- Law and the insurance contract: Legal principles in insurance -- Analysis of insurance contracts -- Personal property and liability risks: The liability risk -- Home owners insurance: section I coverages -- Home owners insurance: section II coverages -- Auto insurance in the United States -- Auto insurance in the United States(continued) -- Other property and liability insurance coverages -- Commercial property and liability risks: Commercial property insurance coverages -- Commercial liability insurance coverages -- Crime insurance coverages and surety bonds -- Life and health risks: Fundamentals of life insurance -- Contract provisions in life insurance -- Life insurance purchase decisions -- Retirement products: Annuities and individual retirement accounts -- Individual health insurance coverages -- Employee benefits: group life and health insurance coverages -- Employee benefits: qualified retirement plans -- Social insurance programs in the United States -- The private insurance industry in the United States: Types of private insurers and marketing systems -- Functional operations of private insurers -- Financial operations of private insurers -- Government regulation of private insurers in the United States -- Appendix A: Homeowners 3(special forms) -- Appendix B: Personal auto policy -- Appendix C: Whole life insurance policy with riders.