Jessica is a loss control specialist with an insurer. She often inspects the property and operations of insureds and makes loss control recommendations to the underwriter. Jessica's duties in these situations are best described by which one of the following?

Select one:

A. Her duties involve the insurer and the policyholder.

B. Her duties involve the insurer and the public.

C. Her duties involve the policyholder, the public, and the insurer.

D. Her duties involve the policyholder and the public with which the policyholder deals.

  Elmer is a commercial underwriter at ABC Insurance Company. Elmer and one of his co-workers, Jeff, play golf together regularly at the local public course. One weekend, Jeff suggests that instead they play at an expensive private club. He explains to Elmer that the owner of a new commercial account Jeff recently wrote gave Jeff a membership to the club. The situation makes Elmer uncomfortable because he knows that ABC has a strict policy about not accepting gifts from policyholders. Elmer has an ethical dilemma and is torn about whether to inform his employer about the gift or not. Which one of the following types of ethical conflicts does this situation most clearly represent?

Select one:

A. Justice versus mercy

B. Individual versus community

C. Truth versus loyalty

D. Long-term versus short-term