A four-year-old girl was burnt to death after a fire, suspected to be the work of arsonists, destroyed her home in Dean Pen district, Highgate, St Mary Tuesday morning. She has been identified as Sariah Kowen. The girl's mother, Rose Beecher, 38, and other family members also received injuries and are said to be in serious condition in hospital. The incident happened around 4 o'clock. 4-y-o St Mary girl killed in suspected home arson attack. The St Mary home of four-year-old Sariah Kowen who died in a suspected arson attack on October 18, 2022. It is reported that the occupants of the house were asleep when Beecher felt a liquid substance on her and then immediately felt a fire. When she got up, the house was engulfed in flames. She managed to run to safety but received severe burns to her body. She was unable to alert or assist anyone. The fire department was called and after cooling down operations the charred remains of her daughter were found. The girl's father, Okoy Kowen, who lives elsewhere, told reporters that he has been left devastated by the death of his child. Mi never know if she burn up or what but when mi come inna di taxi mi hear that mi daughter burn up in the fire; mi start cry. I heard she was sleeping and somebody came and throw a bottle bomb through the window, Kowen said. She was nice, good looking, and jovial, he said of his daughter. Acting Commandant for the St Mary police division, Deputy Superintendent Kevin Francis, told The Gleaner that investigations are ongoing. He said the police are treating the incident as a case of suspected arson.

INSTRUCTION: Follow the instructions below and prepare a written submission. Instruction: Attached are five (5) articles/cases. In completion of this course work assignment you are required to perform the following on each:

1. Provide a brief summary of the article/case, ensuring that the main issue is adequately noted.

2. Analyze the article/case based on your knowledge of Risk Management and Insurance, report on what peril(s), hazard(s), risks and other pertinent factors were identified.

3. Examine how each of the four Risk Management techniques could be employed in each scenario to reduce or eliminate the risk itself.

4. Conclude with your recommendation as to the best risk management technique(s) you would employ.