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MAP20140021895Vaughan, Emmet J.Fundamentals of risk and insurance / Emmett J. Vaughan, Therese M. Vaughan. — 11th ed. — Hoboken, New Jersey : Wiley, cop. 2014Sumario: The Problem of Risk -- Introduction to Risk Management -- The Insurance Device -- Risk Management Applications -- The Private Insurance Industry -- Regulation of the Insurance Industry -- Functions of Insurers -- Financial Aspects of Insurer Operations -- The Legal Framework -- Managing Personal Risks -- Social Insurance Programs -- Introduction to Life Insurance -- The Actuarial Basis of Life Insurance -- The Life Insurance Contract General Provisions -- The Life Insurance Contract Other Provisions -- Special Life Insurance Forms -- Buying Life Insurance -- Annuities and Pension Benefits -- Managing the Retirement Risk -- Health Insurance: Disability Income Insurance -- Health Insurance: Coverage for Medical Expenses -- Health Insurance for the Elderly -- Employee Benefits and Other Business Uses of Life and Health Insurance -- The Homeowners Policy General Provisions -- The Homeowners Policy Forms -- Other Personal Forms of Property Insurance -- Negligence and Legal Liability -- General Liability Insurance for the Individual -- The Automobile and its Legal Environment -- The Personal Auto Policy -- Commercial Property Insurance -- Commercial Liability Insurance -- Surety Bonds and Trade Credit Insurance -- Insurance in the Future