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Lecture Hospitality law managing legal issues in the hospitality industry (4th Edition): Chapter 15 - Barth

Chapter 15 - Managing insurance. In this chapter, you will learn: To understand the value of insurance in protecting a business from financial loss, to become familiar with the different types of insurance required of hospitality operations, to understand the role of workers’ compensation and the requirements of an employer,. | Chapter 15 Managing Insurance Managing Insurance Introduction To Insurance Types Of Coverage Selecting An Insurance Carrier Selecting The Insurance Policy Policy Analysis In This Chapter, You Will Learn: To understand the value of insurance in protecting a business from financial loss. To become familiar with the different types of insurance required of hospitality operations. To understand the role of workers’ compensation and the requirements of an employer. To critically evaluate the financial rating of an insurance company and other information to help you select an insurance carrier. In This Chapter, You Will Learn: To distinguish between the terms “primary” and “umbrella” insurance coverage, and determine appropriate amounts of coverage. To analyze an insurance policy and determine what types of claims will be covered, and what types of claims will not be covered. Introduction to Insurance Coverage Exclusions Ability to pay Introduction to Insurance Legalese: Insure (Insurance) - To protect from risk. Introduction to Insurance Legalese: Actuary - A mathematician or statistician who computes insurance risks and establishes premium rates. Introduction to Insurance Legalese: Insurer - The entity that provides insurance. Introduction to Insurance Legalese: Premium – The amount paid for insurance coverage; can be paid in one lump sum or over time, such as monthly. Introduction to Insurance Legalese: Insured - The individual or business that purchases insurance against a risk. Introduction to Insurance Legalese: Policy (Insurance) - The contract for insurance agreed upon by an insurer and an insured. Introduction to Insurance Legalese: Annuity - Fixed payments, made on a regular basis, for an agreed-upon period of time or until the death of the recipient. Introduction to Insurance Legalese: Indemnification - To insure against possible liability and loss, and/or to compensate financially for losses incurred. . | Chapter 15 Managing Insurance Managing Insurance Introduction To Insurance Types Of Coverage Selecting An Insurance Carrier Selecting The Insurance Policy Policy Analysis In This Chapter, You Will Learn: To understand the value of insurance in protecting a business from financial loss. To become familiar with the different types of insurance required of hospitality operations. To understand the role of workers’ compensation and the requirements of an employer. To critically evaluate the financial rating of an insurance company and other information to help you select an insurance carrier. In This Chapter, You Will Learn: To distinguish between the terms “primary” and “umbrella” insurance coverage, and determine appropriate amounts of coverage. To analyze an insurance policy and determine what types of claims will be covered, and what types of claims will not be covered. Introduction to Insurance Coverage Exclusions Ability to pay Introduction to Insurance Legalese: