PART I. RISK AND THE RISK MANAGEMENT PROCESS. 1. Introduction to Risk. 2. Risk Identification and Evaluation. 3. Property and Liability Loss Exposures.

4. Life, Health, and Loss-of-Income Exposures. 5. Risk Management Techniques: Noninsurance Methods. 6. Insurance as a Risk Management Technique: Principles. 7. Insurance as a Risk Management Technique: Policy Provisions.

PART II. COMMERCIAL RISK MANAGEMENT APPLICATIONS: PROPERTY-LIABILITY. 8. Selecting and Implementing Risk Management Techniques. 9. Risk Management and Commercial Property-Part I. 10. Risk Management and Commercial Property-Part II.

11. Business Liability and Risk Management Insurance. 12. Workers'' Compensation and Alternative Risk Financing. PART III. PERSONAL RISK MANAGEMENT APPLICATIONS: PROPERTY-LIABILITY. 13. Risk Management for Auto Owners-Part I.

14. Risk Management for Auto Owners-Part II. 15. Risk Management for Homeowners. PART IV. RISK MANAGEMENT APPLICATIONS: LIFE, HEALTH, AND INCOME EXPOSURES. 16. Loss of Life.

17. Loss of Health. 18. Retirement Planning and Annuities. 19. Employee Benefits: Life and Health Benefits. 20. Employee Benefits: Retirement Plans.

21. Financial and Estate Planning. PART V. THE RISK MANAGEMENT ENVIRONMENT. 22. Risk Management and the Insurance Industry. 23. Functions and Organization of Insurers.

24. Government Regulation of Risk Management and Insurance. APPENDICES.