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1、INSURINGTHEBOTTOMLINEHOWTOPROTECTYOURCOMPANYFROMLIABILITIES,CATASTROPHESANDOTHERBUSINESSRISKSSILVERLAKEPUBLISHINGLOSANGELES,CA̶̶̶ABERDEEN,WAInsuringtheBottomLineHowtoProtectYourCompanyfromLiabilities,CatastrophesandOtherBusinessRisksFirstedition,SecondPrintingCopyright©2004bySilverLake
2、PublishingSilverLakePublishing101WestTenthStreetAberdeen,WA98520Foralistofotherpublicationsorformoreinformation,pleasecall1.360.532.5758.FindusontheInternetatwww.silverlakepub.com.Allrightsreserved.Nopartofthisbookmaybereproduced,storedinaretrievalsystemortranscribedinanyformorbyanymea
3、ns(electronic,mechanical,photocopy,recordingorotherwise)with-outthepriorwrittenpermissionofthecopyrightowner.LibraryofCongressCatalogueNumber:pendingInsuringtheBottomLineHowtoProtectYourCompanyfromLiabilities,CatastrophesandOtherBusinessRisksRussell,DavidT.ISBN:1-56343-853-4ACKNOWLEDGM
4、ENTSDavidT.RussellwouldliketothankthestudentshehastaughtatIllinoisWesleyanUniversity,IllinoisStateUniversityandCaliforniaStateUniver-sity,Northridgefortheirinspirationanddedication.Theyhavehelpedmaketheprocessofteaching—andunderstanding—technicalinsuranceinformationareal,personalexperi
5、ence.Prof.Russellwouldalsoliketothankhissometimecolleagueandlongtimefriend,Dr.JamesCarson,forinputandassistance.InsuringtheBottomLineisthesixthtitleinSilverLakePublishing’s“TakingControl”series,whichseekstohelpbusinessownersdealwiththehostofextraordinaryrisksfacingthemodernbusinessente
6、rprise.Up-comingtitleswillcoveremployeecompensation,customerservice,brandmarketing,makingpresentationstobankersandinvestorsandothertop-ics.Tokeeptheseprojects—andtheseriesasawhole—wellfocused,theeditorsatSilverLakePublishingwelcomefeedbackfromreaders.TABLEOFCONTENTSIntroduction:RisksAr
7、eAlwaysChanging7Chapter1,Part1:StandardPropertyCoverage21Part2:SpecialPropertyCoverages91Chapter2:BusinessInterruption151Chapter3:Boiler&Machinery173Chapter4:BusinessAuto195Chapter5:Workers’Compensation267Chapter6:Crime,TheftandEmployeeDishonesty319Chapter7:InlandMarineCoverage385Cha
