This applied study addresses the large flood exposures of Central Europe and proposes efficient financial and risk transfer mechanisms to mitigate fiscal losses from such natural catastrophes. In 2010 the V-4 Visegrad countries (i.e., Poland, Czech Republic, Hungary and Slovakia) demonstrated their historical vulnerability to floods - Poland suffered $3.2 billion in flood related losses, comparable to it $3.5 billion of losses in 1997. Flood modeling analysis of the V-4 shows that a disaster event with a 5 percent probability in any given year can lead to economic losses in these countries of between 0.6 percent to 1.9 percent of GDP, as well as between 2.2 percent to 10.7 percent of government revenues. Larger events could quadruple such losses. The European Union Solidarity Fund is available as a mechanism for disasters but it comes into effect at only very high levels of losses, does not provide sufficient funding, and is not speedy. An insurance-like mechanism for National Governments can be tailored for country-portfolio needs for buildings, properties and critical infrastructure. By virtue of the broad territorial scope, fiscal support should use mechanisms that provide payments triggered by physical flood measurements in selected areas (rather than site-by-site losses as in the traditional insurance industry). A multi-country mechanism for insurance pooling of risks to protect infrastructure can also provide major cost efficiencies for all governments, using parametric-or index contracts. Savings from pooling can range from 25 to 33 percent of the financing costs that each country would otherwise have paid on its own. There are several instruments and options for both insurance, and debt financed mechanisms for funding catastrophes. All instruments can be analyzed based on equivalencies in terms of market spreads. A hybrid-like instrument, the catastrophe bond, is really a risk transfer instrument but structured as a debt security. The V-4 countries should therefore begin to set up the financial mechanisms to prevent major fiscal losses from future catastrophic floods and avoid fiscal disruptions when these occur. The instruments proposed can be market tested and supplemented with exacting studies on hydrology and topography used to fine tune the loss estimations per event and where property and infrastructure are exposed.|Kill the Messenger is perhaps the most thorough and authoritative work in defense of educational testing ever written. Phelps points out that much research conducted by education insiders on the topic is based on ideological preference or profound self-interest. It is not surprising that they arrive at emphatically anti-testing conclusions. Much, if not most, of this hostile research is passed on to the public by journalists as if it were neutral, objective, and independent. This volume explains and refutes many of the common criticisms of testing; describes testing opponents strategies, through case studies of Texas and the SAT; illustrates the profound media bias against testing; acknowledges testings limitations, and suggests how it can be improved; and finally, outlines the consequences of losing the war on standardized testing.

"Succinct, informative and approachable, Dan Fowler's latest book is as down-to-earth as it is a blueprint for getting ahead in any business. His observations and suggestions regarding the importance of quality staff and statesmanship are bedrock concepts for managers and small businesses.''

Bill Milligan
President, Call Newspapers

This book was conceived for veteran businesspeople that need to re-energize their business and their life. The ten steps outlined in this book will make it easier for anyone to succeed as a veteran businessperson. It's critical to learn how to focus on what's important in life and to carry it out in a balanced, productive way.

This book doesn't contain or uncover any great revelations about being successful. Instead, it is written from the author's thirty-three years of experience as a businessman in the insurance field, twenty years of involvement as a volunteer in the Mehlville School District and the example set by many of the people who he has worked with over the years.

You can't get better unless you learn from your mistakes and then make the necessary changes in your life so it doesn't happen again. Aging should be viewed as a good thing. We develop wisdom over the years and what we do with that knowledge is what this book is all about. It's easy to get off course.

"10 Steps to Energizing Your Business and Your Life" will help you get back on track.

The ASA Institute for Risk and Innovation has gathered 22 research notes focused on operational risk and written primarily by the institute's research associates. The collection is divided into four sections: business practices, business preparedness, business security, and emerging trends. The collection is introduced by Annie Searle, author of "Advice From A Risk Detective" (Tautegory Press, 2011), who also wrote three of the research notes. From the back cover: "Annie Searle, with support from her colleagues, leverages her expansive knowledge to compile a thought-provoking overview of business continuity planning and operational risk considerations. "Reflections on Risk" looks at the often neglected considerations and necessary controls that organizations of all sizes should consider in order to be more secure and resilient. This is particularly important at a time of rapid change and expanding use of information technology." --John Carlson, Executive Vice President, BITS "The apprenticeship opportunities that Searle's firm provides graduate students has produced a volume of notes that adds to the broader discourse around operational risk." -- Simon Beckett, Publisher, Journal of Business Continuity & Emergency Planning

Health insurance can offer protection against catastrophic medical expenses and improve access to health care. There are, however, imperfections in the insurance market that require intervention such as asymmetry of information between the policy holder and the insurance company, moral hazard that can occur on the side of the insured or the provider of health services, risk selection that may lead to cream skim a particular market, and others. To encourage the effective development of Voluntary Private Health Insurance, it will be necessary for policymakers to establish and enforce regulatory standards that will attempt to correct inefficiencies from market failures and that will achieve desired social objectives. This book is intended to help countries that are contemplating how to design and implement a legal framework for a private health insurance market. First, it provides an overview of private health insurance, the rationale for insurance regulation, and the institutions involved in administering insurance laws. It then reviews the key standards and protections that are often used in regulating private health insurance. As part of the discussion on regulatory standards, options for supervisors in certain areas where policy and regulation approaches vary will be noted. To illustrate international experience, examples of the regulation of private health insurance from several low, middle, and high-income countries will be drawn upon throughout the book.

If your goal is to pass your insurance test the first time without the hassle of big thick study books, the Crop Insurance, Iowa License Exam Manual is right for you. Every effort has been made to reduce the number of pages necessary to pass the test. The fresh format has smaller bites of information. Each exam topic is followed by multiple choice questions to reinforce your learning. Designed to stand alone or be used as a supplement, this easy to read manual is complete with a table of contents, insurance text, over 150 multiple choice practice questions, study tips and test taking tips. You will learn the exam topics needed to successfully pass your insurance test: general terms and concepts, crop hail insurance, multiple peril insurance, plans of insurance and Iowa laws, rules and regulations pertinent to crop insurance.

AN EASY-TO-FOLLOW GUIDE FOR MAKING THE BEST DISABILITY INSURANCE DECISIONS Need help understanding what disability insurance is and why it's a critical way to protect your financial future? With decades of experience in the insurance business, Tony Steuer and Maxwell Schmitz deliver a practical resource for choosing the best disability insurance policy for you, whether you currently have a policy or not. Step by step, they lead you through the process of making key disability insurance decisions and understanding important factors: 1. What income protection do I already have? 2. How much disability insurance would I qualify for? 3. How might my medical and financial history affect my rates? 4. What policy components or riders are important to me? 5. How do I choose a trusted agent or advisor and an insurance company? 6. How do I make sure that my policy continues to meet my needs? This workbook will help you avoid unnecessary pitfalls and unpleasant surprises; make informed, confident decisions; and gain the maximum protection for your insurance dollars. Tony's Questions and Answers on Life Insurance and 1The Questions and Answers on Life Insurance Workbook were winners of the Excellence in Financial Literacy Education(TM) Award from the Institute for Financial Literacy(R)

This scarce antiquarian book is included in our special Legacy Reprint Series. In the interest of creating a more extensive selection of rare historical book reprints, we have chosen to reproduce this title even though it may possibly have occasional imperfections such as missing and blurred pages, missing text, poor pictures, markings, dark backgrounds and other reproduction issues beyond our control. Because this work is culturally important, we have made it available as a part of our commitment to protecting, preserving and promoting the world's literature.

Pocket Principles for the Insurance Business provides daily motivation for those in the insurance industry who wish to embrace adversity in order to reach success. As a seasoned life insurance salesman who has qualified for the million dollar roundtable every year he's been in the business, B.A. Newman truly understands the ups and downs of a business that has a retention rate of just 12 percent, and he provides the tools necessary to face rejection and rely on it as a positive influence when success seems unattainable. His inspirational snippets include relational and easily applied advice such as: work for the best companies, listen to your clients, love what you do, and don't sacrifice your reputation to make a sale. In a profession that can sometimes seem more like a roller coaster ride than smooth sailing, these motivational quotes will help inspire anyone to do great things ... every day. "Ben's Principles help our producers keep striving for goal achievement even on their toughest days." -Michael T. Fleming, CLU, ChFC General Manager & Financial Advisor, Mass Financial Group, Inc. "Pockets principles will have an impact on my first Million Dollar Roundtable qualification ..." Mark E. Kull, Financial Representative Northwestern Mutual Financial Network, Louisville, Kentucky AUTHOR BIO Benjamin Newman is a life insurance salesman who is a several-time qualifier for the million dollar roundtable. He is Founder of Continued Fight, LLC, a company that helps organizations overcome challenges and seek positive outcomes. Benjamin and his wife Ami live in St. Louis, Missouri, with their son J. Isaac.

Featuring insightful, actionable and proven cost-saving ideas, How To Save Big On Workers' Compensation shows how employers can maximize productivity and profits through safety and a culture of caring. This essential guide shares strategies that saved a quarter of a billion dollars.

This easy-to-read book includes exclusive interviews with leading industry experts. The experts include Larry LaPointe, former director of the Division of Confidential Investigations at the New York State Insurance Fund (NYSIF); Ed Hiller, director of Claims and Medical Operations for NYSIF; Brian Mittman, the managing partner of Markhoff & Mittman, a law firm helping injured workers; Robert Firmbach, a veteran loss-control and safety expert; Eileen Preiato, the Friedlander Claims Solution manager; and Cosmo Preiato, executive vice president of Friedlander Group and leader of Safety Group Underwriting and Operations.

"Friedlander's approach in this well-written, helpful book is to focus on what employers can do to minimize workers' compensation claims in the first place. He believes that by creating a "culture of caring," employers can effectively save money on workers' compensation, because "that culture will maximize your productivity, efficiencies, and profits." ...This revelation alone makes the book valuable, along with several eye-opening interviews with workers' compensation experts. Employers will gain insight into such key issues as claims and premium fraud, abuse of the system, loss control and reducing the cost of claims. A thoughtful book that could actually save employers some serious money." Kirkus Review

"During my time as CEO of the New York State Insurance Fund, Adam always displayed a keen insight into the intricate workings of the state compensation system. He is a true comp professional who understands the needs of the system's stakeholders; policyholders, associations, injured workers and policy makers. His primer is a must read for those involved in our industry. Ken Ross, CEO/President, Pinnacol Assurance

"How to Save Big on Workers' Compensation is interesting, informative and a must read book. Adam uses his vast knowledge, candid insights including interviews with true experts in workers' compensation to discuss issues related to fraud, claims, safety and loss control. The book focuses on safety prevention as a major linchpin of effective cost control resulting in lowering premium costs. The reader should benefit from this unique review of important issues." Donald T. DeCarlo, J.D. CEO AMCOMP, Commissioner of NYS Insurance Fund, 1997-2009

"Adam offers a number of key concepts - such as managment-employee relations and a culture of caring - that are very straight forward and really work to control workers' compensation costs. His interviews with industry experts deliver the information in an easy-to-understand, real-world style. This is a great book for virtually every American business." Dennis Otmaskin, CPCU Regional President, Northeast & Mid-Atlantic Harleysville Group

"I found it to be a riveting book, presented in a manner that every employer would clearly enjoy reading and would cut the cost to his bottom line. This should be considered a training manual. This is also a worthwhile book for every Insurance Broker to read and present to every business client. It presents a powerful bit of knowledge." Arthur Natter, former broker and NYSIF retiree

"Adam's a serious professional and a clear-headed writer." Steve Acunto, Editor & Publisher of Insurance Advocate

"I had an opportunity to read "How to $ave Big on Workers' Compensation." It is exceptional I especially like the way you started the book with Establishing A Culture of Caring " Scott Addis, The Addis Group

"Adam, I just finished your book. Quite simply, it was fantastic. I will be purchasing and sending a few copies to my peers. Thank you for your contributions." Brian Nebel, P2P Insurance Agency, Partner

This book should be on the shelf in EVERY home. This book should be in EVERY automobile glove box. Do you carry a spare tire in the trunk of your car? Do you have jumper cables in your car? Do you have a toolbox at home? Ever bought a book that showed you how to fix something? Do you own a first aid kit? Do you have a fire extinguisher or smoke alarms in your home? Why would you do ANY of those things? ANSWER: So you are prepared BEFORE something happens to you. READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU TO KEEP IT FROM GETTING WORSE

If your goal is to pass your insurance test the first time without the hassle of big thick study books, the Life & Health Insurance, Iowa License Exam Manual is right for you. Every effort has been made to reduce the number of pages necessary to pass the test. The fresh format has smaller bites of information. Each exam topic is followed by multiple choice questions to reinforce your learning. Designed to stand alone or be used as a supplement, this easy to read manual is complete with a table of contents, insurance text, over 500 multiple choice practice questions, study tips and test taking tips. You will learn the exam topics needed to successfully pass your Life insurance test: types of policies, policy riders, provisions, options, exclusions, completing the application, underwriting, delivering the policy, taxes, retirement, other insurance concepts, and Iowa rules and regulations. Health insurance test topics include: types of policies, policy provisions, clauses, riders, social insurance, field underwriting procedures, other insurance concepts, and Iowa rules and regulations.

If your goal is to pass your insurance test the first time without the hassle of big thick study books, the Life Insurance, Iowa License Exam Manual is right for you. Every effort has been made to reduce the number of pages necessary to pass the test. The fresh format has smaller bites of information. Each exam topic is followed by multiple choice questions to reinforce your learning. Designed to stand alone or be used as a supplement, this easy to read manual is complete with a table of contents, insurance text, 250 multiple choice practice questions, study tips and test taking tips. You will learn the exam topics needed to successfully pass your insurance test: types of policies, policy riders, provisions, options, exclusions, completing the application, underwriting, delivering the policy, taxes, retirement, other insurance concepts, and Iowa rules and regulations.

A User-Friendly Workbook to Making Expert Life Insurance Decisions Need help facing the constant barrage of information from competing life insurance companies? With twenty years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for choosing the best life insurance policy for you or your family, whether you currently have a policy or not. Step-by-step, he leads you through the process of making key life insurance decisions: 1.How much life insurance do I need? 2.What type of life insurance is right for me? 3.How might my medical and financial history affect my rates? 4.Which life insurance company should I work with? 5.How do I choose a trusted agent or advisor? 6.What policy components or riders are important to me? 7.Is my current policy living up to my expectations and needs? 8.Should I replace my current policy or supplement it? 9.What is the best way to terminate a policy? A companion to Tony's award winning book, Questions and Answers on Life Insurance, this workbook will help you avoid unnecessary pitfalls and unpleasant surprises; make informed, confident decisions; and gain the maximum benefit for your life insurance dollar.

If You re New to Business Continuity Planning
or Want a Thorough Corporate Training Tool
with a Variety of Instructional Aids
5 REASONS You ll Want the Most Comprehensive and Up to Date
Business Continuity Handbook Available (c2012):
1) State-of-the-art exposition of the global body of knowledge for Business Continuity Management and Risk Management, " including current international standards and best practices."
2) Flexible, modular design that allows you to customize your own self-study plan: Ten chapters cover fundamental principles and practices; three chapters give greater detail on Information Technology and Emergency Management if your work focuses in these areas; and four chapters explain Risk Modeling if you want a foundation in the statistical underpinnings of risk management.
3) Comprehensive training package for professional development classes, including instructor materials: test bank, syllabi, PowerPoint slides, and sample solutions to case studies, discussions, and end-of-chapter questions. Two of the case studies are integrated throughout the text to give managers experience in applying chapter principles to a service company and a manufacturer.
4) Holistic coverage of two interfacing fields: Business Continuity, which tends to deal with consequences, and Risk Management, which tends to be preventative. Both The Business Continuity Institute (BCI) and The Institute of Risk Management (IRM) have endorsed the book.
5) Quick desk reference for your BCM team offering a readable blend of academic principles and practical applications an effective tool for grounding interdepartmental teams learning to develop and maintain BC plans.
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. Dr. Engemann is editor-in-chief of the International Journal of Business Continuity and Risk Management. Professionals from a number of Wall Street banking firms and Fortune 500 companies attend his graduate courses in business continuity and risk management.
Douglas M. Henderson, FSA, CBCP, is President of Disaster Management, Inc. and has consulting experience of 20+years in all areas of Business Continuity and Emergency Response Management. He is the author of several books and templates for business continuity planning.
This is a book that will inform the novice, support the expert and enhance every business continuity planner s efforts to create a resilient organization. The book is well organized as an instructional tool, a reference guide, and a toolkit for practitioners . an executive, a student, or a practitioner who absorbs the content of this book will be better prepared to function in a field where preparedness is absolutely essential.
" Thomas D. Phelan, PhD, Program Director, Emergency and Disaster Management and Fire Science at American Public University System; Founding Member of the U.S. Department of Homeland Security"
Practitioners constantly emphasize the necessity of a holistic approach and I am pleased to see this new book does just that. It is also important to blend theory with practice in this hands-on field; again this is accomplished by authors who have extensive academic and business continuity and emergency management experience. They bring the subject to life with rich teaching and learning features, making it an essential read for students and practitioners alike.
" Phil Kelly, DBA, FHEA, (FIRM); Senior Lecturer, Liverpool (UK) Business School; Lead Examiner, Risk Decisions, The Institute of Risk Management (IRM)"

Gaining Cooperation is designed to help any Workers' Comp Professional who deals with injured workers on a regular basis. Sometimes injured workers can be uncooperative. They may not want to sign a form, give information, or supply documentation, even if it is to their benefit. This book provides the reader with a simple three- step process to not only getting the injured worker's cooperation, but to improving customer service. Some basic maxims are outlined and explained to help the reader gain the cooperation they are looking for. Maxim #1: Great negotiators never argue with reasons, they argue with facts. Maxim#2: You never have to prove anyone wrong, you only have to prove yourself right. Maxim#3: People will consider your point of view to the exact degree that you demonstrate you understand their point of view. This book relies heavily on the "acknowledgment tool" to help the reader see that a little bit of empathy can go a long way.

Known as "America's Favorite Motivator," Dr. Troy Clark energizes multitudes of business professionals and audiences, providing hope and practical know-how to succeed. His field-tested methods released salespersons who were living on food stamps to earning weekly 4 figure paychecks within 10 weeks Troy averaged 14 sales per week acquiring 669 clients in his first year (48 weeks) to launch an exceptional life insurance career in 2003. He is an awarded NATIONAL TOP PRODUCER. Troy begins with earning your insurance license. He expounds dynamic methods and winning sales verbiage for serving Final Expense Insurance the old way (Field Sales) to the new way (Phone Sales) successfully. Troy shares cutting-edge, profitable sales techniques that bypass failing methods to BOOST your greatest sales results ever A Master Sales Guru, INSPIRATIONAL Keynote Speaker, executive consultant, and friend, Dr. Clark's Sales Presentation Scripts, as well as skillfully crafted products and services, are accessed by thousands of individual sales professionals, as well as nationwide agencies and corporations at www.FinalExpenseSuccess.com. Troy keynotes for: Conventions / Corporate Functions / Sales Training Events / Award Ceremonies / Sales Seminars, Webinars / Cruises / Banquets / Company Retreats / Staff Meetings, even Bible Studies, upon request. INVITE DR. TROY CLARK to inspire your event or organization

Risk management is one of the most important practices that a manager can employ to help drive a successful outcome from a project. Good risk management allows organizations to proactively respond to risks. Unfortunately, many managers believe risk management to be too time consuming or too complicated. Some find it to be shrouded in mystery. This book is designed to demystify risk management, explaining introductory and advanced risk management approaches in simple language. To illustrate the risk management concepts and techniques, this book uses real-life examples from a very influential project that helped change the course of world history -- the project that designed and built the Polaris missile and accompanying submarine launch system that became a key deterrent to a Soviet nuclear attack during the Cold War. The Polaris design and construction project employed many risk management approaches, inventing one that is still widely used today. Containing a foreword by James R. Snyder, one of the founders of the Project Management Institute (PMI), this book is structured to align with the risk management approach described in PMI's the Project Management Body of Knowledge (PMBOK Guide).

21st Century Americans face challenges more daunting than those experienced by our forefathers and mothers during the Civil War or the Great Depression. The Five Gifts aims to show individuals and families that they can use the power, flexibility, and versatility of participating whole life insurance from a mutual insurance company to... maintain their uniquely American lifestyle insulate themselves from the greed for the accretion of power in Washington and the greed for our money on Wall Street. The 3600 words in this small book reverberate with the wisdom of millions of successful Americans that quietly created wealth using participating whole life insurance as the foundation for their personal economy

Under its Health in Africa Initiative, IFC intended to conduct a country assessment of the private health sector in Mali, working in close collaboration with the World Bank and the Government of Mali.The Core objective of the Mali Country Assessment Report was to work closely with the Government of Mali and Development partners to develop recommendations for a reform program to strengthen the existing policy framework for the public-private interface in the health sector and to improve the delivery of health related goods and services for all Malians.As part of this, the purpose of the book was to: Determine the role the private sector currently plays in Mali 's health care system. Present a diagnose of the nature and effectiveness of the existing interface between the public and private sectors in Mali, health system constraints, as well as the business enabling and investment environment. Assist the World Bank Group to engage in policy dialogue with stakeholders in Mali 's health care system, and particularly with public officials and policy makers; and help develop detailed recommendations for the Government of Mali with policy makers and key stakeholders.

Whether you are thinking about entering the contract cleaning business, have a young company that may be struggling to get to the next level, or have a mature organization that may need to look at things in a different light, this book is for you. From naming your company to selling your company, this book covers all the bases. Dick takes you through the mistakes he made when starting his company, to the stumbling he did along the way, and how he got up and kept going. Some of his real life stories will amuse while others will make you sit back and take note of how you can make a correction in your company that can save or earn lots of dollars for you. Dick includes ways to approach a banker, attorney, accountant, insurance agent as well as the supplier of your cleaning products and equipment. Doing these things right will put money on your bottom line, doing them wrong may put you out of business in a hurry. Not to be forgotton, he also includes a chapter on preparing your company for sale. Dick sold his company and can provide helpful suggestions on what you need to do and not do to be ready to sell. Dick interjects humor along the way to emphasize some of his mistakes and what he learned from them. You will particularly want to read chapter 18 where he talkes about his favorite sayings and how they affected him. In that same chapter he also talks about actual calls he took from employees calling in to report they would not be at work and how he handled the calls. Last but not least, he provides you his thoughts on how to focus on becoming a leader as well as what he envisons the characteristics of real success are. This book is designed as a working tool. It is written in conversational style and will provide you a true encloypedia for being in the contract cleaning business. Enjoy and learn.

How much do you pay for your auto insurance? If you are reading this, the answer is most likely "too much " You are looking for information that will help you save your hard-earned dollars, and you have found it.

"Ten Questions" has been completely updated, revised, and expanded for 2012. It has also been reformatted for the Kindle at last, and the most effective way to use the guide is to own both the ebook and paperback versions.

"Ten Questions" is not a book for "dummies," but it is an easy to use, half-hour read, specifically designed to help save you money.

It is a comprehensive and detailed explanation of the underwriting process involved in determining the amount of premium you pay. The facts and clear examples included in the guide are based on my years of experience as a top-rated Sales Agent, and the thousands of auto insurance policies I personally have sold.

Chapter One, "Risk" will help you understand what factors are used to determine your rating "tier," and how to improve them. The amount of premium you pay is determined by the amount of "risk" you are seen to represent. Much of that determination is made through your answers to a series of questions you will be asked, either online, or in person by an agent. These are the "Ten Questions" referred to in the title.

Chapter Two, "Discounts" contains a detailed description of nearly every available auto insurance discount, and how to obtain them. A single 5% discount that you have been missing each policy term is costing you far more than this guide will. You will also gain the knowledge that you will need to progressively lower your rates over time.

Chapter Three, "Coverages" is a comprehensive explanation of nearly every available auto insurance coverage, including what each one does, (and does not do) for you, and how to the determine the proper balance of cost versus benefit when choosing them. When you finish reading it, you will know more about auto insurance than most agents do. "Ten Questions" isn't about getting the cheapest policy at the cheapest price: It's about getting the best policy at the best price.

Chapter Four, "Sample Quote Process," is your ultimate weapon in getting your new policy, because it details an actual phone quote in real time, along with the "correct" answers to the "Ten Questions." Knowledge is power, and this guide is a very powerful tool that you will be able to use as long as you are driving and insuring vehicles.

Advanced Topics is new for 2012, and this section includes "Youthful Driver Strategies," and "State Specific Information," such as a layman's explanation of so-called "No-Fault" coverages, and "Full," versus "Limited" Tort.

The Appendix contains all the technical terms that are used in the guide, to help you understand the "trade talk" in the auto insurance industry.

This guide will save you money in several ways, including: It will help you find and qualify for discounts. It will show you how to improve your rating tier, and lower your "base rate." It will help you allocate your premium dollars more effectively, so that you get the best coverage at the best price.

Find out what the insurance companies don't want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy renews in order to do so.

Learn the answers to the "Ten Questions "today, and get a better policy for less money, tomorrow.

This is the first book on captive insurance which informs the reader whether or not he should form a captive insurance company, how to run it along with an explanation of the tax issues associated with running a property and casualty insurance company. In addition, the reader is taken through an entire case law history of captive insurance to better enable him to understand the issues related to forming a captive insurance company.