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principles of risk management
Questions and Answers of
Principles Of Risk Management
How has President Obama addressed CI protection?
What was the intent of PPD-8?
Describe the impact of PPD-21.
What are the key principles of the whole community approach?
What are the changes made in Executive Order 13691?
What are some differences between the 2006 NIPP and the 2013 version?
How is the Department of State involved with critical infrastructure protection?
Why is it important for federal agencies to work in conjunction with private owners of critical infrastructure?
What is the role of the DOJ in critical infrastructure protection?
What is InfraGard?
How does the Department of Commerce help to protect critical assets?
What is a SSA? Explain the SSP and how each is used by the individual sectors.
Describe the missions of the critical infrastructure sectors presented in this chapter.
Identify and explain the various methods each sector takes to managing risk. Is there an overlap in methods?
How do different hazards impact the various approaches taken by each sector to manage risk?
Why is it important for the US to protect its CIKR?
What is critical infrastructure?
Why would a government or agency carry out a risk assessment?
What are the elements of a risk assessment?
Why would a community be interested in recovery and resiliency?
Provide a description of the history and development of the DHS.
What are the three directorates found within the DHS and what do they do?
What is the role of FEMA in infrastructure protection?
What are some of the other ofces found within DHS that play a role in infrastructure protection?
What are the advantages to sharing information about critical infrastructure protection? Why would some companies be hesitant to do so?
Describe an ISAC and why it is important in protecting assets.
Explain what is meant by a Fusion Center and its role in critical infrastructure protection.
What does the HSIN do?
What are the three areas of concentration for the PSAP?
Why is the CIPAC important?
What role did the USA PATRIOT Act play in CI protection?
What was the goal of the Homeland Security Act?
In the 109th Congress, members passed the PKEMR Act of 2006.What were the major elements of this bill as it pertains to CI protection?
Describe some of the bills that were not passed by Congress pertaining to CI protection.
Discuss the Communications Sector and IT sector. What is the function of each, and how are they different?
What are the interdependencies that all three sectors presented in this chapter share?
Explain the emerging issue of cybersecurity and the impact it has on the Communications sector, IT sector, and FSS.
Discuss the various approaches to managing risk that each sector uses. Is there an overlap in methods? Why or why not?
What is the function of an actuary?
a. Explain the meaning of enterprise risk management (ERM).b. What types of risks are included in ERM?c. Explain what is meant by property risks and liability risk.
Sarah works in a small local company. She owns a small apartment on the third floor and has several goods in her apartment (clothes, computer, tablet, smartphone, TV set, etc.) worth €20,000. She
Explain the meaning of personal risk and list the major types of personal risks.
Differentiate between risk control and risk financing.
There are many instances of insurance fraud. For example, Gloria Eun Hye Lee, 36, owned the Prince and Princess Pet Boutique in Las Vegas. Lee and her husband were facing huge financial problems and
The Bus4School Company provides school bus transportation to public schools in London. The company owns 50 buses that are garaged in four different boroughs and it provides school bus services to
James and Emily are married and own a city fringe three-bedroom apartment in Sydney, Australia. Their son, Jacob, attends college in London and lives in a student residence near campus. Their
Jenny is contemplating taking comprehensive life insurance coverage for herself, but she is unsure whom she can approach to get the best advice. Explore the various insurance intermediaries that
What are the characteristics of a typical mass merchandising plan?
Delta Insurance is a property insurer that entered into a surplus-share reinsurance treaty with Eversafe Re. Delta has a retention limit of $200,000 on any single building, and up to nine lines of
A major French insurer is in a position to take over an Irish-based insurance company called FarmInsure Ltd. FarmInsure has a particular focus on agricultural insurance which may complement the
What is the basis for current state regulation of insurance? Explain
Explain the difference between indemnity value and replacement value.
John owns a house. He insured it for £150,000 with the clause of replacement cost insurance. The house is 10 years old and has a useful life of 100 years. Its market fair value is £140,000. How
George has a big house on an island on a small lake. There is no bridge connecting his island with the land; thus, the only way to reach his house is by using a boat or helicopter. He owns a boat
a. What are the basic parts of an insurance contract?b. Which part is considered “the heart” of an insurance contract? Why?
Tom has a bookstore near a river, which is insured for €120,000 under a commercial property insurance policy.The policy contains a 75 percent coinsurance clause. Tom's bookstore suffered a loss
a. What is the meaning of “insuring agreement?”b. There are two basic forms of insuring agreement in property insurance. List them and describe briefly.
Angelique has a small plane. Its replacement cost is £150,000. She wants to insure it in a local company (Insurer A), as she owns some stocks in this company. However, this insurer covers planes
Explain the rationale of co-insurance in a property insurance contract.
Explain how a section of definitions influence on insurance policy.
a. What is the purpose of other-insurance provisions?b. Give an example of the pro-rata liability clause.
a. Under the needs approach, when is the dependency period of a surviving spouse assumed to end?b. What is the period during which a surviving spouse is ineligible for Social Security benefits
Beth purchased a $50,000 nonparticipating whole life insurance policy. The annual premium was $1,278. The cash value of the policy after 10 years will be $13,740. The future value of $1 deposited at
Scott and Allison are married and file a joint tax return. Scott is a graduate student who works part time and earned $15,000 in 2015. He is not eligible to participate in his employer's retirement
What is the fundamental purpose of a variable annuity?
Travis, age 25, graduated from college and obtained a position as a tax accountant. He is ineligible to participate in his employer’s retirement plan for one year.a. Assume that Travis has a
Briefly explain the income tax deduction of traditional IRA contribution.
Simon is Head of Strategy with Great Health, a private health insurer that is considering expanding into new European markets. They are considering opportunities in Ireland and the UK and the CEO is
Explain the following renewal provisions that may appear in individual health insurance policies:a. Guaranteed renewableb. Noncancelablec. Conditionally renewabled. Nonrenewablee. Guaranteed issue
Countries adopt a number of approaches to funding healthcare costs. Outline each of the following methods that may be used to fund healthcare internationally: Taxation, Social health insurance and
Megan is president of an accounting firm that has 10 employees. The only employee benefit provided by the firm is a paid 2-week vacation for employees with one or more years of service. The firm's
What are the characteristics of a health maintenance organization (HMO)?
Compare between short-term plans and long-term plans with respect to each of following:a. The coverageb. The elimination periodc. The length of benefit periodd. The amount of disability income
Richard, age 40, is the owner of Auto Repair, Inc. In addition to Richard, the company has five employees. Richard wants to establish a retirement plan for his employees. He is considering two plans:
Briefly explain the basic characteristics of a SIMPLE retirement plan.
Alexander, age 42, and Susan, age 39, are married and live in small house. They have three children-2-year old Sam, 10-year old Alan, and 20-year-old Jane. Alexander is employed as an engineer with
Determine the similarities and the differences between social security and private insurance.
Adam Smith is 48 years old IT consultant. He has a 47 years old wife Lisa, and three sons, Michael 24 years old, John is 22 years old and Alan 5 years old. John works as teacher and has his own
Distinguish between OASDI programs and workers compensation programs.
Michael went deer hunting with Nate. After seeing bushes move, Michael quickly fired his rifle at what he thought was a deer. However, Nate had caused the movement in the bushes and was seriously
What is the meaning of an intentional tort?
Malcolm was involved in an auto accident. He was judged to be 20 percent at fault in the accident, and the other party was judged to be 80 percent at fault. Malcolm's actual damages were $40,000.
What is the intent of the family purpose doctrine?
What are the requirements that must be met to satisfy the doctrine of res ipsa loquitur?
Tanya, age 20, is a college student who recently purchased her first car from a friend who had financial problems. The vehicle is a high-mileage, 2004 Toyota Corolla with a current market value of
What is the purpose of the extended non-owned liability coverage endorsement to the PAP?
Paige, age 26, has purchased a new Ford sedan. She has a clean driving record. Collision coverage on the car in a small midwestern city where she lives would cost approximately $650 every 6 months
David has a Homeowners 3 policy that provides $280,000 of insurance on his dwelling, which has a current replacement value of $400,000. Ignoring any deductible, how much will David collect if a
Who are the people included in the persons insured under Section I of the Homeowners 3 policy?
Ted purchased a home. To finance the purchase, he borrowed $140,000 from ABC Bank, pledging the home as collateral for the loan. Shortly after purchasing the home, Ted lost his job. He could not find
Located in the United Kingdom, BestHomeInsurance has expanded to provide homeowners insurance in a number of European jurisdictions. Charles was previously a senior underwriter and now Head of
What are the coverages provided by an unendorsed ISO Dwelling Program form?
What are some of the reasons an insured might add a scheduled personal property endorsement to a homeowners policy?
Why are buildings in flood plains difficult for private insurers to insure?
a. List causes-of-loss that fall under1. Basic form2. Broad formb. Explain the difference between causes-of-loss in basic and special form.
Outline the following coverages for business income losses:a. Business Income and Extra Expenseb. Business Inco$#!#$me from Dependent Properties
Outline the following coverages for business income losses:a. Business Income and Extra Expenseb. Business Income from Dependent Properties
Classify the following coverages as “Ocean marine” or “Inland marine” and describe the insurable interests reflected by each of them:a. Freight Insuranceb. Account receivable coverage formc.
Jillian operates a sporting goods store in a rented location at a shopping mall. She is insured under a CGL policy with the following limits:A propane tank in the store exploded. Indicate the dollar
Classify the following coverages as “Ocean marine” or “Inland marine” and describe the insurable interests reflected by each of them:a. Hull Insurance valuable papers and records coverage
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