Fundamentals of Risk and Insurance, 11th Edition presents a thorough and comprehensive introduction to the field of insurance while emphasizing the consumer. The new edition first examines the concept of risk, the nature of the insurance device, and the rinciples of risk management. It then...

"Companies successful over the long term create and nurture an environment for success. They foster a culture, leadership process and infrastructure that enable and support effective strategy implementation driving toward achieving business objectives and related growth, profit and return goals....