b' Harrington/Niehaus Risk Management and Insurance 2e develops general principles\nor risk management and insurance and provides the essential aspects of insurance\ncontracts and the insurance industry. It provides substantially more conceptual\nanalysis and attention to business risk management and public policy issues than\nexists in current texts. Individual chapters on specific types of insurance,\n(i.e. automobile insurance, medical expense insurance, workers compensation, and\nothers) utilize the general principles developed earlier in the book to explain\nspecific contract terms and public policy issues. Risk Management and Insurance\n2e provides a detailed discussion of why firms with diversified owners would\nreduce risk and illustrates these reasons using examples from actual '