Kinh doanh marketing - Chapter 17: Risk management, insurance, and crime prevention

Chapter 17Risk Management, Insurance, and Crime PreventionMcGraw-Hill/IrwinCopyright © 2009 by The McGraw-Hill Companies, Inc. All rights reserved.Risk Management, Insurance,And Crime PreventionDefining & Coping With RiskInsurance & RiskChoosing An InsurerReducing RiskSafeguarding Against TheftProtecting Employees17 - 2McGraw-Hill/IrwinTypes Of RiskPure- UnpredictableSpeculative- VoluntaryCoping With RiskAvoidancePrevention/ControlTransferAssumption- Self-InsuranceLawrence Lawry/Getty ImagesDetermine Insurance NeedWhat Will Happen If:I DieFireTheft/EmbezzlementRobberySettlementUnauthorized InformationSteve Cole/Getty ImagesTypes Of InsuranceFireBusiness InterruptionCasualtyProduct/Service LiabilityWorkers’ CompensationGroup Health/LifeBusiness OwnerFidelity/Surety BondsPhotoDisc/Getty ImagesCoinsurance“having the business buy insurance equal to a specific percentage of property value.”Actions To Improve Safety and Reduce PremiumsInvolve EmployeesEstablish CommunicationsCompanywide ParticipationSafety AwardsExciting ProgramBe WatchfulSmall Business Health Care(Employee Contribution With)Red Flags OnAgent SelectionDelayed ResponsesRoutine AnswersDelayed RefundsHand-Delivered PolicyClaim More Expensive Than DeductibleDelay TacticsAttempts To Minimize DamageSecret Claim Or SettlementReplace Old Flawed PolicyCriteria ForInsurer ComparisonFinancial Stability & SafetySpecializationTailor PolicyCost Of ProtectionPhotoLink/Getty ImagesInsurance RenewalAgent = Minimize PremiumBoost DeductibleShop Several AgentsProfessional OrganizationSpecial-Risk PoolsSelf-Insurance/CoinsurancePhotoLink/Getty ImagesAgent’s ServicesDevote Time To Your ProblemsExposure To LossRecommend Insurance & Loss PreventionOffer AlternativesCrimePrevention For ProtectionZero-Tolerance PolicyScreenTrainDefuse DisputesCheck SecurityTerminate With CareOSHA GuidelinesTo Prevent RobberyAdequate LightingVideo CamerasIncrease Night StaffAlarmsBulletproof GlassRoyalty-Free/CORBISReducing Chances Of RobberyModify Store LayoutSecure EntrancesUse DogsControl CashRedesign SurroundingsDon Farrall/Getty ImagesSources OfInventory TheftAmount Of Theft- 2003In $ BillonPreventing TheftMirrorsCameras/MonitorsNoise ActivatorsEmployee Honesty TestsSecurity GuardsSecurity AuditsSpot ChecksVisible SurveillancePhysical Inventory ChecksRyan McVay/Getty ImagesWhite Collar Crime“committed by managerial, professional, and technical employees.”Types OfWhite Collar CrimeFalsification Of AccountsFraudulent Computer UseBribing OfficialsCollusionSale Of Proprietary InformationSabotageComputer CrimesIntentional Destruction Of DataFraudulent UseGetty ImagesMinimizeWhite Collar CrimeTrack CostIncrease BudgetBan CriminalsCrack Down On Tax AvoidanceRestore RightsDemocratizeRein In PayRegulate TradingExpand DisclosureEnd Conflicts Of InterestFix PensionsFoster DiscussionDocument SecurityList of Authorized PersonnelNo Permission to Remove Sensitive Document from PremisesWorkplace SafeguardsGuards Over Moving ToolsDevices to Protect Hands from MachinesProtective GearWarningsMedical Treatment