保险学作业chaper1-4

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1、QUESTIONSFORREVIEWANDDISCUSSIONChapterone1.Definerisk.Listsomewaysinwhichriskcreatesaneconomicburdenforsociety.2.Classifyeachofthefollowinghazardsasphysical,morale,ormoral.a.Acarelessdriverb.Apersonwhosuffersanexaggeratedcaseofwhiplashfollowinganautomobileaccidentc.Aworkerwhooccasiona

2、llyleavesadangerousmachineunattendedtotakewithfriendsd.Anemployeewhooccasionallyembezzlesmoneye.Icyroadcondition3.ABCCompanyowns10,000carsandhasdeterminedthatitisverylikelytosufferbetween60and70collisionlossesthisyear.XYZCompanyalsoowns10,000carsandhasdeterminedthatitislikelytoexperie

3、nce50to80collisionlossesthisyear.Computethedegreeofriskforeachcompany,assumingthatthecompaniesexpecttosuffer65losseseach.4.Defineriskmanagementandidentifythestepsintheriskmanagementprocess.Howdoesenterpriseriskmanagementdifferfromthetraditionalformofriskmanagement?5.CompanyAowns100bui

4、ldingsandaverages2firesperyear.CompanyBowns1,000buildingsandaverages30firesperyear.CompanyAneverexperiencesmorethan3firesayear,althoughinsomeyearstherearenone.InsomeyearsCompanyBhasasmanyas36firesbutneverhasfewerthan24.Whoisfacedwiththegreaterobjectiverisk?Whohasthegreaterchanceofloss

5、?Explain.Chapter21.Nametherequisitesofinsurableriskfromthestandpointof(a)theinsurerand(b)theinsured.2.Ithasbeensuggestedthatthefollowingrisksareuninsurable.Foreachrisk,indicatewhetheryouagreeordisagreeandwhy.a.Riskofpunitivedamagesawardedtopunishandtodeterthewrongdoerfromrepeatingacti

6、onsthatcausealoss.b.Riskoflossthroughaneconomicdepression.a.Riskthattradesecretsofafirmmightbestolen,thuscausingthefirmthelossofpotentialprofitstherefore.b.Riskfromlossofamarketthatiscapturedbyacompetitorwithabetterproduct.c.Riskthatarezoningorashiftofpopulationwillreducethevalueofalo

7、cationownedbyafirmformarketingpurpose.1.Distinguishbetweenthedoctrineofinsurableinterestandtheprincipleofindemnity.Chapter31.Differentiatebetweenexcludedperilsandexcludedlosses,givingexamplesofeachtypeofexclusion.2.Apropertyinsurancepolicyiswrittenwitha90percentcoinsuranceclauseandapo

8、licyl