tailieunhanh - FUNDAMENTALS OF RISK AND INSURANCE

Vice President/Publisher Associate Publisher Associate Editor Senior Production Editor Executive Marketing Manager Creative Director Senior Designer Production Management Services Editorial Assistant Senior Media Editor Cover Photo Cover Design Bicentennial Logo Design Don Fowley Judith Joseph Brian Kamins Valerie A. Vargas Amy Scholz Harry Nolan Kevin Murphy Aptara, Corp. Sarah Vernon Allison Morris c Brian Baley/Getty Images, Inc. David Levy Richard J. Pacifico This book was set in 10/12 Cheltenham Light by Aptara, Corp. and printed and bound by R. R. Donnelley & Sons, Inc. The cover was printed by Phoenix Color, Corp. The book is printed on acid-free paper | TENTH EDITION Fundamentals of Risk and Insurance EMMETT J. VAUGHAN THERESE VAUGHAN FUNDAMENTALS OF RISK AND INSURANCE - -- J I IB 1807 i H WILEY ụ 2 00 7 I BICENTENNIAL THE Wiley Bicentennial-Knowledge for Generations ach generation has its unique needs and aspirations. When Charles Wiley first opened his small printing shop in lower Manhattan in 1807 it was a generation of boundless potential searching for an identity. And we were there helping to define a new American literary tradition. Over half a century later in the midst of the Second Industrial Revolution it was a generation focused on building the future. Once again we were there supplying the critical scientific technical and engineering knowledge that helped frame the world. Throughout the 20th Century and into the new millennium nations began to reach out beyond their own borders and a new international community was bom. Wiley was there expanding its operations around the world to enable a global exchange of ideas opinions and know-how. For 200 years Wiley has been an integral part of each generation s journey enabling the flow of information and understanding necessary to meet their needs and fulfill their aspirations. Today bold new technologies are changing the way we live and learn. Wiley will be there providing you the must-have knowledge you need to imagine new worlds new possibilities and new opportunities. Generations come and go but you can always count on Wiley to provide you the knowledge you need when and where you need it William J. PESCE PETER BOOTH WILEY President and Chief Executive Officer Chairman of the .

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