CHAPTER 1, Introduction to Risk
1. DEFINITIONS OF RISK Pure versus Speculative Risk Static versus Dynamic Risk Subjective versus Objective Risk
2. SOURCES OF PURE RISK Property Risks Liability Risks Life, Health, and Loss of Income Risks
3. MEASUREMENT OF RISK ? Chance of Loss Peril Vs Hazard Physical Hazard Morale Hazard Moral Hazard Degree of Risk
4. MANAGEMENT OF RISK
CHAPTER 3, Property and Liability Loss Exposures
1. PROPERTY LOSS EXPOSURES
Real property Vs personal property Direct loss Vs indirect loss
2. LIABILITY EXPOSURES
① TYPES OF LIABILITY DAMAGES
Bodily Injury Property Damage Personal Injury Legal Expenses
② BASIC LAW OF NEGLIGENCE The Negligent Act
A Negative Act A Voluntary Act An Imputed Act?
Proximate Cause of the Loss?
③ DEFENSES AGAINST NEGLIGENCE CLAIMS? Contributory Negligence Assumed Risk
Guest-Host Statutes
④FACTORS LEADING TO HIGHER STANDARDS OF CARE Expanding Application of Liability
Weakening of Defenses against Liability Res Ipsa Loquitur
Expansion of Imputed Liability Changing Concepts of Damage Increased Damage Awards ⑤TYPES OF LIABILITY EXPOSURES Contractual Liability
Employer-Employee Liability Property Owner-Tenant Liability
Invitees/licensees/trespassers? Assumption of Liability by Tenant Attractive Nuisance Doctrine? Consumption or Use of Products Professional Acts
Principal-Agent Liability
Ownership and Operation of Automobiles
CHAPTER 4, Life, Health, and Loss of Income Exposures
1. EXPOSURES DUE TO PREMATURE DEATH Executor Fund Income Needs of Survivors Surviving Children Surviving Spouse Other Surviving Dependents Business-Related Exposures
2. EXPOSURE DUE TO LOSS OF HEALTH Medical Care Expenses Hospitalization Physicians’ and Surgeons’ Services Dental Care Prescription Drugs and Other Expenses Mental Health Services Long-Term Care Loss of Income Causes of Disability
3. OTHER INCOME LOSS EXPOSURES Unemployment Retirement
CHAPTER 6, Insurance as a Risk Management Technique: Principles
1. THE NATURE OF INSURANCE 2. PRINCIPLE OF INDEMNITY?
3. PRINCIPLE OF INSURABLE INTEREST? What Constitutes Insurable Interest When the Insurable Interest Must Exist 4. PRINCIPLE OF SUBROGATION? Reasons for Subrogation 5. PRINCIPLE OF UTMOST GOOD FAITH ? Representations Warranties
Concealments
6. REQUISITES OF INSURABLE RISKS Large Number of Similar Objects Accidental and Unintentional Loss Determinable and Measurable Loss
Loss Not Subject to Catastrophic Hazard Large Loss
Probability of Loss Must Not Be Too High
7. REQUIREMENTS OF AN INSURANCE CONTRACT Requirements of All Valid Contracts
8. DISTINGUISHING CHARACTERISTICS OF INSURANCE CONTRACTS Aleatory Contract Conditional Contract Contract of Adhesion Unilateral Contract
9. ROLE OF AGENTS AND BROKERS
Waiver, estoppel?
CHAPTER 7, Insurance as a Risk Management Technique: Provisions
1. DECLARATIONS
2. THE INSURING AGREEMENT
Named Perils versus All-Risk Agreements Defining the Insured 3. EXCLUSIONS Excluded Perils Perils That Are Basically Uninsurable Perils to Be Covered Elsewhere Perils Covered Under Endorsement at Extra Premium Excluded Losses Excluded Property Excluded Locations
4. COMMON POLICY CONDITIONS
Fraud
Policy
保险学(01,03,04,06,07,13)要点总结与复习
