Superfund : contractors are being too liberally indemnified by the government : report to the Congress /

"B-231219"--P. [1].

Proceedings of the Casualty Actuarial Society.

List of members for the years 1914-20 are included in v. 1-7, after which they are continued in the Year book of the society, begun in 1922.

Adult Alternatives for Social Drinking: A Direction

In their survey/study - Adult Alternatives for Social Drinking: A Direction - by John Dienhart and Sandra Strick, Assistant Professors, Department of Restaurant, Hotel and Institutional Management, Purdue University, Dienhart and Strick begin with: “Changes in consumer habits have brought about a change in the business of selling alcoholic drinks and have impacted upon hotel food and beverage operations. The authors surveyed a sample of hotel corporate food and beverage directors to ascertain how they are handling this challenge.” Dienhart and Strick declare that the alcoholic beverage market, sale and consumption thereof, has taken a bit of a hit in contemporary society. “Even to the casual observer, it's obvious that the bar and beverage industry has undergone a great deal of change in the past few years,” say the authors. “Observations include a change in the types of drinks people are ordering, as well as a decrease in the number of drinks being sold,” they qualify. Dienhart and Strick allude to an increase in the federal excise tax, attacks from alcohol awareness groups, the diminished capacity of bars and restaurants to offer happy hours, increased liability insurance premiums as well as third-party liability issues, and people’s awareness of their own mortality as some of the reasons for the change. To quantify some empirical data on beverage consumption the Restaurant, Hotel, and Institutional Management Department of Purdue University conducted a study “… to determine if observed trends could be documented with hard data.” In regards to the subject, the study asks and answers a lot of interesting questions with the results presented to concerned followers via percentages. Typical of the results are: “When asked whether the corporation experienced a change in alcoholic sales in the past year, 67 percent reported a decrease in the amount of alcohol sold.” “Sixty-two percent of the respondents reported an increase in non-alcoholic sales over the past year. The average size of the increase was 8 percent. What Dienhart and Strick observe is that the decrease in alcoholic beverage consumption has resulted in a net increase for non-alcoholic beverage consumption. What are termed specialty drinks are gaining a foothold in the market, say the authors. “These include traditional cocktails made with alcohol-free products, as well as creative new juice based drinks, cream based drinks, carbonated beverages, and heated drinks,” say Dienhart and Strick by way of citation . Another result of the non-alcoholic consumption trend is the emergence of some novel marketing approaches by beer, wine, and spirits producers, including price increases on their alcohol based beverages as well as the introduction of faux alcoholic drinks like non-alcoholic beer and wine. Who or what is the big winner in all of this? That distinction might go to bottled water!

Odpowiedzialność lekarza, podmiotu leczniczego i ubezpieczyciela za nieudane transplantacje

Transplantacje komórek, tkanek i narządów należą do najbardziej kontrowersyjnych procedur medycznych, gdyż dotykają także kwestii etycznych i światopoglądowych. W ostatnich latach niewątpliwie obserwujemy rozwój transplantologii dzięki postępowi w naukach medycznych oraz zmianach w świadomości społeczeństwa. Transplantologia pozostaje jedną z bardziej ryzykownych gałęzi medycyny, ponieważ postępowanie zgodnie z zasadami sztuki lekarskiej nie jest gwarancją powodzenia przeszczepu. Artykuł przybliża problematykę nieudanych transplantacji – zarówno ze względu na zaniedbania lekarza czy placówki medycznej, jak i ze względu na reakcję obronną organizmu. W drugiej części artykułu zostały opisane zasady odpowiedzialności cywilnej lekarzy i innych pracowników podmiotów leczniczych za szkody wyrządzone pacjentom oraz wskazano czym różni się odpowiedzialność sprawcy szkody od odpowiedzialności ubezpieczyciela. Kolejna część artykułu dotyczy specyfiki odpowiedzialności ubezpieczyciela za nieudane transplantacje w oparciu o rozporządzenie Ministra Finansów w sprawie obowiązkowego ubezpieczenia odpowiedzialności cywilnej podmiotów wykonujących działalność leczniczą.

Employers liability and workmen's compensation insurance law. Title 130, Revised civil statutes of Texas, 1925, including amendments by the Texas Legislature through the 52d session. Discount tables. Date reference for filing appeal. Daily and weekly compensation table.

Mode of access: Internet.

Best's insurance reports : property-liability.

Mode of access: Internet.

Optimal insurance with counterparty default risk

We study the design of optimal insurance contracts when the insurer can default on its obligations. In our model default arises endogenously from the interaction of the insurance premium, the indemnity schedule and the insurer’s assets. This allows us to understand the joint effect of insolvency risk and background risk on efficient contracts. The results may shed light on the aggregate risk retention sched- ules observed in catastrophe reinsurance markets, and can assist in the design of (re)insurance programs and guarantee funds.

The role of title insurance under recording and registration

This article outlines a transaction cost theory of title insurance andanalyses the role it plays in countries with recording and registrationof land titles. Title insurance indemnifies real estate right holdersfor losses caused by pre-existing title defects that are unknown whenthe policy is issued. It emerged to complement the errors and omissions insurance of professionals examining title quality. Poor organizationof public records led title insurers in the USA to integrate titleexamination and settlement services. Their residual claimant statusmotivates insurers to screen, cure and avoid title defects. Firmsintroducing title insurance abroad produce little information on titlequality, however. Their policies are instead issued on a casualty basis,complementing and enforcing the professional liability of conveyancers.Future development in markets with land registration is uncertainbecause of adverse selection, competitive reactions from establishedconveyancers and the ability of larger banks to self-insure title risks.

Building an honest microfinance organization: Embezzlement and the optimality of rigid repayment schedules and joint liability

We consider the agency problem of a staff member managing microfinancing programs, who can abuse his discretion to embezzle borrowers' repayments. The fact that most borrowers of microfinancing programs are illiterate and live in rural areas where transportation costs are very high make staff's embezzlement particularly relevant as is documented by Mknelly and Kevane (2002). We study the trade-off between the optimal rigid lending contract and the optimal discretionary one and find that a rigid contract is optimal when the audit cost is larger than gains from insurance. Our analysis explains rigid repayment schedules used by the Grameen bank as an optimal response to the bank staff's agency problem. Joint liability reduces borrowers' burden of respecting the rigid repayment schedules by providing them with partial insurance. However, the same insurance can be provided byborrowers themselves under individual liability through a side-contract.

The North Dakota State insurance manual : rules and rates.

Description based on: no. 6 (effective July 1, 1924).

Bradbury's workmen's compensation and state insurance law of the United States ... together with the latest British compensation act : with numerous notes, comments and explanations /

Includes index.

Biennial report of Compensation Insurance Board of the State of Minnesota.

First report includes also the Report of the Minnesota Compensation Rating Bureau.