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Risk Management and
Insurance
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 1
Protection Against Risk
• Fire
• Theft
• Lawsuits
• Illness
• Accidents
• Disability
• Natural disasters
• Death
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 2
Understanding Risk
•
•
•
•
Speculative
Pure
Insurable
Uninsurable
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 3
Insurable Risk Criteria
• Accidental
• Beyond the insured’s control
• Financially measurable
• Large number of similar cases
• Spans a wide geographical area
• Financially serious loss
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 4
Risk Management
• Assessing risk
• Controlling risk
• Financing risk
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 5
Assessing Risk
•
•
•
•
Loss of property
Loss of income
Legal liability
Loss of services
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 6
Controlling Risk
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•
•
•
Risk avoidance
Loss prevention
Loss reduction
Risk-control transfer
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 7
Shifting Risk to an
Insurance Company
• Property insurance
• Consequential loss
• Liability insurance
• Key-person insurance
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 8
Property Insurance
• Replacement cost
• Actual cash value
• Functional replacement cost
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 9
Consequential Loss
Insurance
• Business interruption
• Extra-expense
• Contingent business interruption
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 10
Liability Insurance
• Legal damages
• Legal defense
• Loss prevention
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 11
Types of Liability Policies
•
•
•
•
•
•
Commercial general
Product
Automobile
Professional
Employment practices
Excess liability
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 12
Key-Person Insurance
•
•
•
•
Illness
Disability
Death
Retirement
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 13
Self-Insurance
• Predict potential losses
• Make adequate financial arrangements
• Obtain stop-loss insurance
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 14
Monitoring Risk Management
•
•
•
•
What does the company have?
What can go wrong?
What do we need to stay in business?
What’s the best way to protect assets?
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 15
Employee Insurance
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•
•
•
Health insurance
Disability income
Worker’s compensation
Life insurance
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 16
Health insurance
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•
•
•
•
Basic medical
Major medical
Disability income
Medicare supplement
Long-term care
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 17
Rising Cost of Medical Care
•
•
•
•
•
Drugs
Hospitals
Lawyers
Consumers
State mandates
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 18
Cost Containment Measures
• Preferred-provider organization (PPO)
• Health-maintenance organization (HMO)
• National health insurance
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 19
Disability Insurance
• Partial or total
• Temporary or permanent
• Short-term or long-term
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 20
Worker’s Compensation
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•
•
•
Loss of income
Medical expenses
Rehabilitation
Death benefits
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 21
Life Insurance
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•
•
•
•
Credit life
Term life
Whole life
Variable life
Universal life
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 22
Social Insurance Program
• Social security
• Unemployment insurance
© Prentice Hall, 2005
Excellence in Business,
Revised Edition
Component B - 23
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