This consumer-oriented text focuses on the policy holder as opposed to the insurer. 'Consumer Applications' and expanded 'Risk Management Case Problems' provide opportunities for students to apply what they have learned. New coverage in this edition includes integrated discussion of ethics and expanded coverage of business risk management as well as employee benefits.

Rese�a del editor

This is a consumer-oriented text. Topics focus on the policyholder as opposed to the insurer. Consumer Applications present practical ways students can apply chapter material to everyday life. Expanded cases present risk management problems for students to solve. A new feature, Ethical Dilemmas, encourages ethics discussion. There is more coverage of Business Risk Management in this edition, and employee benefits coverage has been expanded to three chapters.

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