Are you intimidated by insurance? Have no fear — this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you're looking for personal or business insurance, you'll see how to avoid common pitfalls, lower your costs, and get what you deserve at claim time.Get to know the basics — understand how to make good insurance decisions and reduce the chances of a financial loss in your life
Take your insurance on the road — manage your personal automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjusters
Understand homeowner's and renter's insurance — know what is and isn't covered by typical policies, common exclusions and pitfalls, and how to cover yourself against personal lawsuits
Buy the right umbrella policy — discover the advantages, and coordinate your policies to cover the gaps
Manage life, health, and disability risks — explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term-care insurance
Open the book and find:The best life, health, home, and auto policies
Strategies for handling the claims process to get what you deserve
Tips on adjusting your deductible to suit your lifestyle
How to navigate healthcare policies
Ways to reduce your risk and your premiums
Common traps and loopholes
Considerations for grads, freelancers, and remote workers
However, this book studies him in the light of various incidents and highlights the values that came out from them — and most importantly — how businesses can adapt the same. Often through his life, the “Mahatma” has come across as a salesman, a PR manager, A CEO, A HR Manager, a business leader and even devil’s advocate, thus showing his commitment to core human values while harnessing the necessary agility, flexibility and exemplary negotiation skills of a true leader. This book tries to study his life and link it to modern day business principles.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Your challenge is to maintain a good and effective plan in the face of changing circumstances and limited budgets. If your situation is like that in most companies, you really cannot depend on the results of last year’s test or exercise of the plan. People tend to forget, lose confidence, lose interest, or even be replaced by other people who were not involved in your original planning. Jim Burtles explains:
“You cannot have any real confidence in your plans and procedures until they have been fully tested...Exercises are the only way we can be sure that the people will be able to interpret the plans and procedures correctly within the requisite timeframe under difficult circumstances.”
As you do your job in this constantly shifting context, Jim Burtles helps you to: • Differentiate between an “exercise” and a “test” – and see the value of each in your BC program. • Understand the different types of plans and identify the people who need to be involved in exercises and tests for each. • Use the “Five-Stage Growth Path” – from desktop to walkthrough to full-scale exercise -- to conduct gradual testing, educate personnel, foster capability, and build confidence. • Create a variety of unusual scenario plot-lines that will keep up everyone’s interest. • Identify the eight main elements in developing and delivering a successful BC exercise. • Select and prepare a “delivery team” and a “response team” for your exercise. • Make sure everyone understands the “rules of engagement.” • Use the lessons learned from exercises and tests to audit, update, and maintain the plan.
You are well aware that a host of problems may crop up in any kind of company-wide project. These problems can range from basic logistics like time and place, to non-support from executives and managers, to absenteeism, to the weather, to participants forgetting their lines. Throughout the book, Burtles uses his decades of experience working with companies like yours to give you useful examples, case studies, and down-to-earth advice to help you handle the unexpected and work toward the results you are looking for.
Reach for this handbook any time you need field-tested advice for investigating, categorizing, reporting and trending, and ultimately eliminating the root causes of incidents. It includes step-by-step instructions, checklists, and forms for performing an analysis and enables users to effectively incorporate the methodology and apply it to a variety of situations.
Using the structured techniques in the Root Cause Analysis Handbook, you will:Understand why root causes are important.Identify and define inherent problems.Collect data for problem-solving.Analyze data for root causes.Generate practical recommendations.
The third edition of this global classic is the most comprehensive, all-in-one package of book, downloadable resources, color-coded RCA map, and licensed access to online resources currently available for Root Cause Analysis (RCA). Called by users "the best resource on the subject" and "in a league of its own." Based on globally successful, proprietary methodology developed by ABS Consulting, an international firm with 50 years' experience in 35 countries.
Root Cause Analysis Handbook is widely used in corporate training programs and college courses all over the world. If you are responsible for quality, reliability, safety, and/or risk management, you'll want this comprehensive and practical resource at your fingertips. The book has also been selected by the American Society for Quality (ASQ) and the Risk and Insurance Society (RIMS) as a "must have" for their members.
In this book on trading psychology, you will learn:
• The importance of controlling your emotions when making trading decisions
• How to master self-discipline and stick to a trading plan
• How to learn from mistakes so you do not repeat them
• How to refine your skills through simulated paper trading without risking money
• How to have a confident mindset while maintaining a flexible and open mind when trading
The best traders are always looking for an edge. Sometimes, the largest obstacle between you and trading successfully is yourself. Success can be more about your mindset and less about the markets. From managing and evaluating your own performance to setting rules and sticking to them, these titles will help you create and stick to a trading plan, manage stress, address risk, and not be derailed by emotions or preconceptions.
After years of working with the traditional practices of business continuity (BC) – in project management, higher education, contingency planning, and disaster recovery – David Lindstedt and Mark Armour identified unworkable areas in many core practices of traditional BC. To address these issues, they created nine Adaptive BC principles, the foundation of this book:Deliver continuous value. Document only for mnemonics. Engage at many levels within the organization. Exercise for improvement, not for testing. Learn the business. Measure and benchmark. Obtain incremental direction from leadership. Omit the risk assessment and business impact analysis. Prepare for effects, not causes.
Adaptive Business Continuity: A New Approach uses the analogy of rebuilding a house. After the initial design, the first step is to identify and remove all the things not needed in the new house. Thus, the first chapter is “Demolition” – not to get rid of the entire BC enterprise, but to remove certain BC activities and products to provide the space to install something new. The stages continue through foundation, framework, and finishing. Finally, the last chapter is “Dwelling,” permitting you a glimpse of what it might be like to live in this new home that has been created.
Through a wealth of examples, diagrams, and real-world case studies, Lindstedt and Armour show you how you can execute the Adaptive BC framework in your own organization. You will:Recognize specific practices in traditional BC that may be problematic, outdated, or ineffective. Identify specific activities that you may wish to eliminate from your practice. Learn the capability and constraint model of recoverability. Understand how Adaptive BC can be effective in organizations with vastly different cultures and program maturity levels. See how to take the steps to implement Adaptive BC in your own organization. Think through some typical challenges and opportunities that may arise as you implement an Adaptive BC approach.
The model is the UK insurance market which is globally recognized and forms the basis of the insurance system in a range of countries in the Middle East, Africa and the Caribbean as well as Australia and Canada. The book covers the underlying ideas behind insurance transactions, together with the legal and financial principles that permit these concepts to function in the real world.
Key issues considered include:the role of the constituent parts of the insurance market the operation of both life and general insurers with special reference to the operation of the Lloyd’s market the nature and function of reinsurers, brokers and loss adjusters the influence of government, both in terms of market regulation and consumer protection alternatives to the established private sector insurers, such as government schemes, Islamic insurance and alternative risk financing.
Tari Schreider, a board-certified information security practitioner with a criminal justice administration background, has written a much-needed book that bridges the gap between cybersecurity programs and cybersecurity law. He says, “My nearly 40 years in the fields of cybersecurity, risk management, and disaster recovery have taught me some immutable truths. One of these truths is that failure to consider the law when developing a cybersecurity program results in a protective façade or false sense of security.”
In a friendly style, offering real-world business examples from his own experience supported by a wealth of court cases, Schreider covers the range of practical information you will need as you explore – and prepare to apply – cybersecurity law. His practical, easy-to-understand explanations help you to:Understand your legal duty to act reasonably and responsibly to protect assets and information. Identify which cybersecurity laws have the potential to impact your cybersecurity program. Upgrade cybersecurity policies to comply with state, federal, and regulatory statutes. Communicate effectively about cybersecurity law with corporate legal department and counsel. Understand the implications of emerging legislation for your cybersecurity program. Know how to avoid losing a cybersecurity court case on procedure – and develop strategies to handle a dispute out of court. Develop an international view of cybersecurity and data privacy – and international legal frameworks.
Schreider takes you beyond security standards and regulatory controls to ensure that your current or future cybersecurity program complies with all laws and legal jurisdictions. Hundreds of citations and references allow you to dig deeper as you explore specific topics relevant to your organization or your studies. This book needs to be required reading before your next discussion with your corporate legal department.
"This is a book about a business and a family that, by its example, defines integrity. It is a testament to the fact that business success comes from hardworking, honorable people who care about their clients."
Jack Greenberg, Former CEO & Chairman, McDonalds Corporation
"Many more decades of the century lie ahead. What makes Arthur J. Gallagher & Co. is its culture and its leadership pipeline. These are ingredients of longevity for a successful corporation."
Ram Charan, World-Renowned Business Consultant, Author, Speaker and Teacher
"I strongly believe that trust and a passionate belief in duty to the client should be the basis of our business. It's good to see The Gallagher Way continuing to show an outstanding example to the industry."
Sir David Rowland, Former Chairman, Lloyd's of London
"Arthur J. Gallagher & Co. has established itself as a shining example of how insurance and risk management organizations should function."
Lawrence Brandon, President Emeritus & Past Chairman, American Institute for CPCU, Insurance Institute of America
"This book is a 'must read' for anyone in business who truly values the individual, whether a client or an employee. The Gallagher Way has stood the test of time."
James J. O'Connor, Former CEO, Commonwealth Edison
Platinum 400 Best Big Companies in America Forbes Magazine, 2004 & 2005
Using his decades of experience, Burtles speaks to you directly and personally, walking you through handling any contingency. He tells you how to bring people together to win executive support, create a Business Continuity Plan, organize response teams, and recover from the disruption. His simple, step-by-step actions and real-world examples give you the confidence to get the job done.
To help you along, each chapter of Principles and Practice of Business Continuity: Tools and Techniques starts with learning objectives and ends with a multiple-choice self-examination covering the main points. Thought-provoking exercises at the end of each chapter help you to apply the materials from the chapter to your own experience. In addition, you will find a glossary of the key terms currently in use in the industry and a full index. For further in-depth study, you may download the Business Continuity Toolkit, a wealth of special online material prepared for you by Jim Burtles.
The book is organized around the phases of planning for and achieving resiliency in an organization:
Part I: Preparation and Startup
Part II: Building a Foundation
Part III: Responding and Recovering
Part IV: Planning and Implementing
Part V: Long-term ContinuityAre you a professor or a leader of seminars or workshops? On course adoption of Principles and Practice of Business Continuity: Tools and Techniques, you will have access to an Instructor’s Manual, Test Bank, and a full set of PowerPoint slides.
Over 30+ years, Tari Schreider has designed and implemented cybersecurity programs throughout the world, helping hundreds of companies like yours. Building on that experience, he has created a clear roadmap that will allow the process to go more smoothly for you. Building Effective Cybersecurity Programs: A Security Manager’s Handbook is organized around the six main steps on the roadmap that will put your cybersecurity program in place:Design a Cybersecurity ProgramEstablish a Foundation of GovernanceBuild a Threat, Vulnerability Detection, and Intelligence CapabilityBuild a Cyber Risk Management CapabilityImplement a Defense-in-Depth StrategyApply Service Management to Cybersecurity Programs
Because Schreider has researched and analyzed over 150 cybersecurity architectures, frameworks, and models, he has saved you hundreds of hours of research. He sets you up for success by talking to you directly as a friend and colleague, using practical examples. His book helps you to:Identify the proper cybersecurity program roles and responsibilities. Classify assets and identify vulnerabilities. Define an effective cybersecurity governance foundation. Evaluate the top governance frameworks and models. Automate your governance program to make it more effective. Integrate security into your application development process. Apply defense-in-depth as a multi-dimensional strategy. Implement a service management approach to implementing countermeasures.
With this handbook, you can move forward confidently, trusting that Schreider is recommending the best components of a cybersecurity program for you. In addition, the book provides hundreds of citations and references allow you to dig deeper as you explore specific topics relevant to your organization or your studies.
In their careers, the authors, Brian Allen and Rachelle Loyear, have been instrumental in successfully reorganizing the way security is handled in major corporations. In this ground-breaking book, the authors begin by defining Enterprise Security Risk Management (ESRM):
“Enterprise security risk management is the application of fundamental risk principles to manage all security risks − whether information, cyber, physical security, asset management, or business continuity − in a comprehensive, holistic, all-encompassing approach.”
In the face of a continually evolving and increasingly risky global security landscape, this book takes you through the steps of putting ESRM into practice enterprise-wide, and helps you to:Differentiate between traditional, task-based management and strategic, risk-based management. See how adopting ESRM can lead to a more successful security program overall and enhance your own career. . Prepare your security organization to adopt an ESRM methodology. . Analyze and communicate risks and their root causes to all appropriate parties. . Identify what elements are necessary for long-term success of your ESRM program. . Ensure the proper governance of the security function in your enterprise. . Explain the value of security and ESRM to executives using useful metrics and reports. .
Throughout the book, the authors provide a wealth of real-world case studies from a wide range of businesses and industries to help you overcome any blocks to acceptance as you design and roll out a new ESRM-based security program for your own workplace.
The information provided in this book will give the reader the ammunition with which to confront the insurer, corporate entity or wrong doer on a more level playing field.
Unlike most other books on this subject, this work includes loss procedures under property insurance policies such as homeowners and commercial contracts.
The other drivers insurance company has agreed to pay the cost to repair the collision damage to you new car, but is that all there is. No, you could be entitled to more. The section dealing with automobile property damage will disclose some cash you may have overlooked.
You or a resident relative hits an errant shot on the golf course and instead of its intended destination, the ball smashes the windshield of another members car on the parking lot. You are probably not legally liable for the damage, but you can be a good guy and pay the cost to repair under a special coverage in your homeowners policy. Look at all the possibilities in Infrequently Reported Homeowners Claims.
As a member of a same sex marriage in a state where such unions are recognized, what are your rights with respect to the injuries or wrongful death of a spouse? See chapter (Damages) for a discussion of this question.
The drunk driver who caused your injuries may not be your only source of restitution. Take a look at Liquor Liability.
A kitchen appliance you have not altered in any way causes a fire that seriously damages your home and injures you or members of your family. What are your rights with respect to claims against the manufacturer or vendor of the product?
If you, a friend or relative has been involved in an accident that might have been the fault of another or suffered an insured property loss, this book has the potential to save hundreds, if not thousands, of dollars, resulting from underpaid claims or needless expense.
“Hope for the best and prepare for the worst” sums up Blythe’s philosophy. This short book is the essence of the basic practical counseling that he would give if he were sitting next to you at your desk. To help you figure out what to do next, he offers real-world examples of what has worked – and not worked – in his 30+ years of experience with companies just like yours.
With Blythe’s advice, you can act fast to:Find out the accurate facts you need to strategize and implement a response. Compile a checklist of immediate action items. Create a crisis command center (CCC. Select the best people for your action team and determine action steps. . Understand how to make good decisions in a crisis or emergency. . Handle the human side of a traumatic incident. . Set priorities in multiple timeframes. . Establish a “new normal” as everyone phases back into productive work after the incident.
To help you take the actions that will make a difference, the book includes:Practical forms, checklists, cases studies, and real-life examples. “Quick Use Response Guide” at the end of each chapter – all four can form a handy pocket guide.
What does it take to weigh the likelihood of a terrorism exposure and protect all the assets of your company? The answer to this question involves understanding the nature of terrorists and their behavior, evaluating the risk of potential damage and business interruption, and exploring ways to use insurance – such as programs covered by the US Terrorism Risk Insurance Act – to protect against severe financial harm.
Authors of this book, David J. Smith and Mark D. Silinsky, give you the benefit of their decades of professional experience in risk management, insurance, physical and cyber security, and anti-terrorism.
Topics covered will help you to better understand:Characteristics that could make your company the target of terrorism. The most costly terrorist acts that have brought about fatalities and insured property loss. . How to anticipate the probability of maximum loss and foreseeable loss from terrorism. . The psychological picture of the typical terrorist – the warning signs and pre-attack indicators. . Tactics used by terrorists, such as bombings, assassination, and kidnapping. . Safety measures to be used by employees in the office and as they travel. . Practical steps for loss reduction from a variety of terrorist-related threats. . Insurance options to protect against financial loss from destructive terrorist acts, kidnap and ransom, and cyber attack and exposure.
Case studies and discussion questions are provided to speed your understanding of the material. Importantly, since the book has been extensively researched, the authors provide a wealth of resources that you can consult as you dig deeper into this complex topic.
The author intends this book for professionals like you, who have some familiarity with cause analysis projects and are looking for a simple and efficient cause investigation methodology –is a more effective and insightful way of asking “why?”
Introducing his multi-function event investigation tool, Chester Rowe says, “There are already many scientific tools to help us understand the physical causes for machine failures; the challenge now is to find a way of investigating human performance failure modes...humans are often a major source of slips, lapses, and mistakes.”
Supporting his instructions with diagrams, charts, and real-world examples from companies like yours, the author takes you step-by-step through planning, completing, and documenting your investigation:Chapter 1 gives you a process to determine the level of effort that your investigation should encompass, assess the level of effort needed, and determine the rigor needed. Your investigation needs to be as risk-informed as possible. Chapters 2 through 5 presents a new and innovative structure –rigorous yet intuitively easy to remember – to identify the underlying causes for the event (Cause Road Maps) and conduct the investigation. Chapter 6 introduces conceptual human performance models and tells you how to begin focusing on the human behaviors involved. Chapters 7 and 8 present you with methods, tools, and techniques for carefully interviewing personnel. Chapters 9 through 13 “put the pieces together,” showing you how to analyze and model the event, determine corrective action, and document the investigations and findings.
Chester Rowe developed the Cause Road Map over many years to provide a comprehensive taxonomy for every cause investigation. However, fully implementing the Cause Road Map requires the use of other tools to organize, analyze, and present the final results of your investigation. To get you started, Rowe includes his downloadable Interactive Cause Analysis Tool – an easy-to-use tool in familiar spreadsheet format – free with your verified purchase of the book.
As you embark on the risk assessment process, you could not find a better and more uniquely qualified guide than Douglas M. Henderson. His 20+ years of experience with major consulting firms includes certification as a professional actuary and business continuity planner. His actuarial knowledge makes him an expert in applying mathematical and statistical methods to help organizations to assess and manage risks. He has applied this real-world knowledge of risk to helping businesses prepare for emergencies and business interruptions of all types.
Henderson offers samples and checklists, including case studies using a fictional company in which he conducts a complete qualitative risk assessment and then a complete quantitative risk assessment, then arrives at a set of comparable actions. His explanations and sample problems will help you to:Define risk management terms, such as threat, event, and risk control. Identify threats and determine the worst-case situation your organization could face. Collect information on probability for natural and non-natural threats. Understand the difference between qualitative and quantitative risk assessment. Describe probability and impact levels. Identify exposures and examine specific risk controls. Estimate a financial value for implementing a risk control. Determine when outside professional help is needed.
As an added bonus, Henderson explores the topic of risk controls with you, helping you to evaluate what risk controls will best reduce the probability of disruptive events and reduce their impact should they occur. To insure the best investment of time and money, you will perform a cost-benefit analysis for each possible risk control to make the best choice for your organization.
As an actuarial analyst for some of the largest companies in the world and as a Certified Financial PlannerTM Professional, Chris Jarvis gained critical insights into the successful operations of hundreds, if not thousands, of businesses and professional practices. He has been solving complex business, investment, and insurance concerns for his clients for more than twenty years. In 6 Secrets to Leveraging Success, he shares how to:
· Avoid being overcharged and given inadequate service by some of the biggest professional services firms.
· Smart ways to identify and avoid working with financial institutions that have significant, and undisclosed, conflicts of interest with you.
· Turn insurance expenses into valuable working assets for your business or family.
· Own your own insurance company—so you can keep the profits for yourself and lower the costs of agents and brokers.
· Be Your Own Bank—so you can access, leverage, and grow your wealth without the red tape, regulations and fees of traditional banking
· Restructure your business so that your #1 corporate expense—employees—act like owners.
At the same time, according to Google, every 5 seconds someone is searching for a financial or insurance product to meet their needs, yet most agents are unaware of how to reach this growing market.
Shift is a compilation of exclusive, rarely-before-seen techniques, strategies and best practices used right now to increase sales exponentially using digital marketing. These are not taught in magazines, books or courses today simply because most people won’t share them. Jeremiah has used these concepts to train over 100,000 agents in over 51 countries including the US, Canada, Japan, Switzerland, the Caribbean and South Africa.
Using his years of success stories and behind-the-scenes access to the frontlines of what’s working now, Jeremiah has been part of teams that have generated over two million leads in the insurance space, leading to over $300,000,000 in commissions paid out. He has documented the most inspiring, entertaining and duplicatable techniques his teams and front line advisors are using TODAY to SHIFT industry thinking to solve these problems.
This ebook by Jackson Smith will give a brief explanation on Commercial Truck Insurance, for more information visit: www.royaltytruckinsurance.com
From years of experience teaching and consulting in Business Continuity and Risk, Kurt J. Engemann and Douglas M. Henderson explain everything clearly without extra words or extraneous philosophy. Your students will grasp and apply the main ideas quickly. They will feel that the authors wrote this textbook with them specifically in mind -- as if their questions are answered even before they ask them.
Covering both Business Continuity and Risk Management and how these two bodies of knowledge and practice interface, Business Continuity and Risk Management: Essentials of Organizational Resilience is a state-of-the-art textbook designed to be easy for the student to understand -- and for you, as instructor, to present.Flexible, modular design allows you to customize a study plan with chapters covering:Business Continuity and Risk principles and practices.Information Technology and Information Security.Emergency Response and Crisis Management.Risk Modeling – in-depth instructions for students needing the statistical underpinnings in Risk Management.Global Standards and Best PracticesTwo real-world case studies are integrated throughout the text to give future managers experience in applying chapter principles to a service company and a manufacturer.Chapter objectives, discussion topics, review questions, numerous charts and graphs.Glossary and Index.Full bibliography at the end of each chapter.
Extensive, downloadable classroom-tested Instructor Resources are available for college courses and professional development training, including slides, syllabi, test bank, discussion questions, and case studies.
Endorsed by The Business Continuity Institute (BCI) and The Institute of Risk Management (IRM).
"It's difficult to write a book that serves both academia and practitioners, but this text provides a firm foundation for novices and a valuable reference for experienced professionals."--Security Management Magazine
"The authors...bring the subject to life with rich teaching and learning features, making it an essential read for students and practitioners alike." – Phil
Kurt J. Engemann, PhD, CBCP, is the Director of the Center for Business Continuity and Risk Management and Professor of Information Systems in the Hagan School of Business at Iona College. He is the editor-in-chief of the International Journal of Business Continuity and Risk Management
Douglas M. Henderson, FSA, CBCP, is President of Disaster Management, Inc., and has 20+ years of consulting experience in all areas of Business Continuity and Emergency Response Management. He is the author of Is Your Business Ready for the Next Disaster? and a number of templates.
Nothing so drastic is required, but it helps to have stories to illustrate value, which is why employee benefit specialist Lori Power wrote this informal reference guide to help human resources professionals and business owners learn about employee group benefit plans. She answers questions such as:
When should an employer consider adding a benefit plan?
How can a company use a benefit plan as a compensation tool?
How can a company better manage the escalating costs?
Why is a broker necessary to get a quotation?
She also shares twenty advantages of employee group benefits as well as various insurance industry scenarios told through real events experienced by real clients.
If youre a business owner, human resources professional, decision maker or plan administrator, youll be better equipped to navigate benefit plans with the lessons in this guide.
Cost-benefit analysis is used everywhere, but its techniques are particularly prominent in fields where there is some kind of ethical dimension. For this edition, E.J. Mishan has been joined by Euston Quah, to explore new themes, including the impact of uncertainty on cost-benefit analysis and to introduce a host of new and up-to-date case studies.
* Clear and precise explanations of active duty family benefits
* Details on veteran education and medical benefits
* A money-saving guide to discounts for both active duty personnel and Veterans