Principles of Risk Management and Insurance (12th ed)

1.New homeowners insurance policies. The Insurance Services Office (ISO) has introduced a 2011 edition of the homeowners insurance policies that are widely used throughout the United States. Chapters 20 and 21 discuss important changes in homeowners insurance, especially the Homeowners 3 policy.
2.Updated discussion of life insurance marketing. The section on life insurance marketing and distribution systems has been completely updated and substantially rewritten. Chapter 5 discusses the current distribution systems and marketing practices of life insurers.
3.New developments in employer-sponsored health insurance plans . Employers continue to grapple with the rapid increase in group health insurance premiums and continually seek new solutions for holding down costs. Chapter 16 discusses new developments in group health insurance to contain higher health care costs and premiums.
4.Impact of Affordable Care Act on Medicare. Chapter 18 discusses important provisions of the Affordable Care Act that have a direct impact on the Medicare program. These provisions are designed to control cost and make Medicare a more efficient program in protecting seniors against the risk of poor health.
5.New Insight boxes. The twelfth edition contains a number of new and timely Insight boxes. Insights are valuable learning tools that provide real-world applications of a concept or principle discussed in the text.
6.Technical accuracy. As in previous editions, numerous experts have reviewed the text for technical accuracy, especially in areas where changes occur rapidly. The twelfth edition presents technically accurate and up-to-date material.

◎作者：George E. Rejda
　現職：University of Nebraska

PART I: BASIC CONCEPTS IN RISK MANAGEMENT AND INSURANCE
Ch 1 Risk and its Treatment
Ch 2 Insurance and Risk
Ch 3 Introduction to Risk Management
Ch 4 Advanced Topics in Risk Management
PART II: THE PRIVATE INSURANCE INDUSTRY
Ch 5 Types of Insurers and Marketing Systems
Ch 6 Insurance Company Operations
Ch 7 Financial Operations of Insurers
Ch 8 Government Regulation of Insurance
PART III: LEGAL PRINCIPLES IN RISK AND INSURANCE
Ch 9 Fundamental Legal Principles
Ch10 Analysis of Insurance Contracts
PART IV: LIFE AND HEALTH RISKS
Ch11 Life Insurance
Ch12 Life Insurance Contractual Provisions
Ch13 Buying Life Insurance
Ch14 Annuities and Individual Retirement Accounts
Ch15 Health Care Reform; Individual Health Insurance Coverages
Ch16 Employee Benefits: Group Life and Health Insurance
Ch17 Employee Benefits: Retirement Plans
Ch18 Social Insurance
PART V: PERSONAL PROPERTY AND LIABILITY RISKS
Ch19 The Liability Risk
Ch20 Homeowners Insurance, Section I
Ch21 Homeowners Insurance, Section II
Ch22 Auto Insurance
Ch23 Auto Insurance and Society
Ch24 Other Property and Liability Insurance Coverages
PART VI: COMMERCIAL PROPERTY AND LIABILITY RISKS
Ch25 Commercial Property Insurance
Ch26 Commercial Liability Insurance
Ch27 Crime Insurance and Surety Bonds