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Books : Business & Investing : Personal Finance : Insurance : Casualty
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Management of Insurance Operations examines methods of managing the risks, opportunities and challenges associated with individual functions within insurance operations. It examines the effects of the combination of such activities and the type of business an insurance organization transacts, the nature of its operations structure and its market position.
Topics Include:
* Insurance: basic principles
* Strategic Planning in insurance operations
* Commonly applied insurance strategies
* Introduction to the value chain
* Insurance products
* The management of the front end
* The management of underwriting, claims, reserves
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A simple to understand book, written for business owners and managers, as well as for insurance professionals. It covers valuable and helpful information on many types of insurance policies, including terms, conditions, types of companies, specific policy forms, etc. There is information on the history of insurance, the various duties of many people involved in insurance, and what the various insurance policies cover or do not cover. The Glossary contains more than 460 legal and insurance terms to use as a quick desk reference.
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The United States and other nations are facing large-scale risks at an accelerating pace. In 2005, three major hurricanes—Katrina, Rita, and Wilma—made landfall along the U.S. Gulf Coast within an eight-week period. The damage caused by these storms led to insurance reimbursements and federal disaster relief of more than $180 billion—a record sum. Today we are more vulnerable to catastrophic losses because of the increasing concentration of population and activities in high-risk coastal regions of the country. The question is not whether but when future catastrophes will strike. Who should pay the costs associated with catastrophic losses suffered by homeowners in hazard-prone areas?
In At War with the Weather, Howard Kunreuther and Erwann Michel-Kerjan and their colleagues deliver a groundbreaking analysis of how we currently mitigate, insure against, and finance recovery from natural disasters in the United States. They offer innovative, long-term solutions for reducing losses and providing financial support for disaster victims that define a coherent strategy to assure sustainable recovery from future large-scale disasters. The amount of data collected and analyzed and innovations proposed make this the most comprehensive book written on these critical issues in the past thirty years.
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"In this important and fascinating book, the authors expose a scam that has fleeced Americans of billions of their hard-earned dollars since World War II. The title insurance industry, they show, has captured its regulators, and imposed exceedingly high costs on American homebuyers by means of a cartel-like arrangement. If that arrangement can be broken, price gouging would end and all American homeowners would enjoy what Canadians and Iowans do-reasonably priced peace of mind."
--Robert E. Wright, Stern School of Business, New York UniversityAfter World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily: policies are available for both lenders and property owners and many title insurers offering an array of other real estate services, such as escrow and appraisal.
In The American Title Insurance Industry, Joseph and David Eaton argue that improvements in recordkeeping over the last sixty years-particularly the advent of computers-have greatly reduced the likelihood of a defective title going unnoticed in a property transaction. But they go on to charge that, beyond mere obsolescence, the title insurance industry is guilty of anticompetitive pricing, overcharging, and possibly fraud. Among the findings in this meticulously researched study are instances of insurers charging premiums well above the amount necessary to compensate them for assuming the risk of defect and identical policies with identical risk that vary in price by as much as 300 percent for different geographic locations.
A landmark study for policy makers, elected officials, and all those involved in the insurance and real estate industries, The American Title Insurance Industry brings to light a long-neglected issue.
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In 1895 an English farmer diverted the course of a stream that was flowing through his land, thereby cutting off the supply to the water reservoir of the neighboring community. The courts established that it had been his purpose to "injure the plaintiffs by carrying off the water and to compel them to buy him off."
Regardless of what the law says, most people will feel that the farmer's intentions were morally unjust; he was trying to abuse his property rights in order to take advantage of others. Yet, as Gijs van Donselaar explains, the major traditions in the theory of economic justice, both from the libertarian right and from the egalitarian left, have failed to appreciate the moral objection to exploitative behavior that this case displays. Those traditions entertain radically opposed views on how private property should be distributed, but they do not consider the legitimacy of constraints on the exercise of property rights--however they are distributed.
The second part of the book demonstrates how this failure clears the way for a recent egalitarian argument, gaining in popularity, for a so-called unconditional basic income. If all have an initial right to an equal share of the resources of the world, then it soon seems to follow that all have a right to an equal share of the value of the resources of the world, which could be cashed in as a labor-free income. That inference is only valid if moral behavior similar to that of the farmer is tolerated.
Van Donselaar argues that, ultimately, a confusion about the nature and value of freedom of choice is responsible for the odd conception of private rights in resources that would justify exploitation.
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This course surveys property and casualty insurance principles and concepts common to all state agent license exams. Content is presented in blocks of information reinforced by end-of-chapter review questions.Topics include industry regulation; underwriting; property insurance; personal lines; commercial lines; inland marine; commercial floaters and federal programs; crime insurance and bonds; and workers' compensation.
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Offers the report of the formal investigation into the sinking in April 1912 of the Titanic presented to both Houses of Parliament on July 30, 1912.
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How renters can buy effective insurance that works when they need it. This 9th book in Silver Lake's Insurance Series includes • an analysis of standard insurance policy forms • case studies of problems and solutions • interviews with industry insiders about how this special coverage worksMost insurance that's advertised to protect the place you live and the stuff inside is aimed at home owners. But more than half of all Americans rent their apartments or homes and they're an underserved market-- both for insurance and for information about it.
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This text provides a basic foundation of knowledge concerning two fundamental building blocks of property/casualty actuarial work: ratemaking and loss reserving. Although the material is of property/casualty origins, the methods presented have potential applications in other insurance areas. The text contains worked examples and end-of-chapter exercises. The third edition includes overviews of individual risk rating, increased limits factors, and reinsurance. It has been updated to reflect industry changes and includes additional exercises. This text is listed on the Course of Reading for the Fundamentals of Actuarial Practice Course of the Society of Actuaries.
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This book addresses one of the key features of contemporary government policy: how to integrate the economic role of agriculture with the societal role of the rural environment. Historical agricultural policy has focussed on encouraging production while protecting farmers from market risk. However production surpluses combined with growing concern over the environmental impacts of intensive agriculture has led to policy changes, which have exposed farmers to more market risk and required them to take account of their impact on the environment. For the first time this book brings these developing policy issues together with a comprehensive consideration of both theoretical and empirical aspects. The first part of the book contains a set of six theoretical contributions to the economics of the agri-environment, including consideration of the associated policy implications. Building on this theoretical base, the second part contains four international case studies of agri-environmental policy. All the authors are well-known experts in their field, and the original material contained in this book should be of interest to academic agricultural and environmental economists, postgraduate students, and policymakers.
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Title insurance is central to the health of the home mortgage market and the commerical real estate business, and its regulation has a profound impact on the prices that consumers pay for title insurance and the kinds of coverages that are available. Dr. Lipshutz provides a concise but comprehensive overview of the key economic policy issues that arise in regulating this small but critical segment of the insurance industry. This is the first book to examine title insurance from a primarily economic viewpoint and contains much information on the operations of the industry that is available nowhere else. The book is particularly timely because title insurance regulation is currently under intensive study by a number of state insurance departments and by the National Association of Insurance Commissioners.
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Is it possible that the insurance and reinsurance industries cannot handle a major catastrophe? Ten years ago, the notion that the overall cost of a single catastrophic event might exceed $10 billion was unthinkable. With ever increasing property-casualty risks and unabated growth in hazard-prone areas, insurers and reinsurers now envision the possibility of disaster losses of $50 to $100 billion in the United States.Against this backdrop, the capitalization of the insurance and reinsurance industries has become a crucial concern. While it remains unlikely that a single event might entirely bankrupt these industries, a big catastrophe could place firms under severe stress, jeopardizing both policy holders and investors and causing profound ripple effects throughout the U.S. economy.
The Financing of Catastrophe Risk assembles an impressive roster of experts from academia and industry to explore the disturbing yet realistic assumption that a large catastrophic event is inevitable. The essays offer tangible means of both reassessing and raising the level of preparedness throughout the insurance and reinsurance industries.