A product, channel, or solution that transfers RISK exposures between the INSURANCE and REINSURANCE sectors and the CAPITAL MARKETS in order to achieve specific RISK MANAGEMENT goals. As a result of regulatory

When cargo is brought on an another route that offers the same tax and terms. Refer to alernative tariff.

Hiring someone part time or seasonally. AKA contingent staffing.

When a shipper can choose the freight rates when they have two or more are available.

The way something is made with less pollution that is more efficient than the traditional method.

Edward Altman’s way to file bankruptcy. It measures how well a party can pay debts and prevent insolvency.

A group of graduate of a school. They are male and female. The male version is alumnus and the female is alumna.

An online shopping site that is very popular. It has books, electronics, music, furniture, and clothes. The user can buy an item from another user like ebay. It was started in 1995

The way a place feels due to the physical atmosphere. It is meant to make customers come again.

Weather or atmosphereic conditions in a place. It changes from day to day.

The maximum pollutants in a building and its surroundings.

When an arbitrage authority considered a claim to be exaggerated. A compromise will be made.

Extra features to make something appear more desirable or to make something seem more valuable than it is.

When independent agents sell insurance for a bigger company. AKA independent agency system.

An organization for investors who are individual.

When a hotel offers breakfast. It includes 2 eggs, bacon or sausage, bread or toast, jelly, butter, pancakes, cereal, coffee, tea, and juice. AKA american style breakfast. Refer to continental breakfast and

A party that lobbies for any midsize businesses. They promote growth and create a higher standard of living for the american businesses they represent. It has executives of participating companies on the

A school that researches life insurance and publishes the results for the public to read. Agents can also continue their education here.

A government agency that controls work exposure for chemicals and other agents. The limits are followed world wide.

A group of insurance agencies groups who exchange data and decide legislative issues.