We conduct a survey-based experiment with 2,776 students at a non-profit university to analyze income insurance demand in education financing. We offered students a hypothetical choice: either a federal loan with income-driven repayment or an income-share agreement (ISA), with randomized framing of downside protections. Emphasizing income…

This case study looks both backwards and forwards at real and potential incidents and risks created by the use of various levels of self-driving vehicles. The case provides background on autonomous vehicle technology, the legal and risk management frameworks involved, and a variety of scenarios for students to consider. The scenarios provide the…

When Tim Clevenger became executive director of the University of Oregon Alumni Association in 2011, he was dismayed to learn that revenue, including paid memberships, was steadily declining. The association staff and board of directors considered multiple strategies to boost earnings, with stabilizing and growing dues revenue high on the list.…

For public school districts, risk financing is the financial outlay associated with litigation, such as settlements, verdicts, and the cost of legal defense. Even when districts purchase insurance to finance risk, a viable risk transfer program can still benefit districts in different ways: (1) Liability policies are generally experience-rated;…

This speech concentrates on a discussion of the increasing difficulty that school districts are experiencing in obtaining insurance coverage. The speaker offers school administrators some suggestions to assist them in securing the necessary coverage and suggests that when an insurance market is open and competitive, purchasing through bidding is…

This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

Explains how experiential programs and organizations can improve relationships with their insurance companies by understanding the insurance industry's perspective and techniques of risk management. Suggests 22 specific items of information that experiential education organizations should share with insurers to demonstrate understanding and…

This third edition expands coverage on such topics as the law and students with disabilities, confidentiality, sexual harassment, student searches and tuition vouchers. It also includes some new topics such as bullying, copyright law, and the law and the internet. Both public and nonpublic school educators are aware that courts, over the last…

Many school boards are paying for certain fringe benefits that could be utilized to offset some of the costs of other fringe benefits. Perhaps the best example of this is the disability portion of Social Security. Persons disabled for more than one year may collect Social Security benefits equal to what they would receive on retirement at age 65.…

The first steps toward effectively managing a property insurance program are a complete understanding of the insurance contract and a professional appraisal. (Author)

Relates interview responses of seven information brokers on proper practice of information and extent of malpractice (e.g., industrial espionage, breaches of client or source confidentiality). Types of protection against malpractice--contracts, good educational background for entry-level positions, continuing education, personal values,…

Examines the malpractice liability of information specialists based on the liability exposure of other information professionals, such as attorneys and market researchers. The discussion covers the use of contracts to limit liability and factors to consider when choosing malpractice insurance. (four references) (CLB)

Considers risk management and liability issues in cases of camp partnerships with schools, camp alternatives to incarceration for juvenile offenders, and elder hostel programs. Discusses making contracts, hiring attorneys, identifying risks and responsibilities, insuring volunteers, governmental immunity, liability waivers, additional insured…

This document consists of 19 exhibits that outline information on contractual risk transfers. Topics include the following: types of risk-treatment techniques; an overview of the process for using indemnity and insurance clauses; the rationale for contractual risk transfer; residual risks in contractual transfer; the rationale for and types of…

Drafting insurance requirements in educational construction bid documents is a momentous task. Basic areas that must be addressed include worker's compensation, employers' liability, property insurance, motor vehicle liability, and public liability. Other coverages may be indicated for specific projects or locations. (MLF)