Risk management and isureance

Carrie Richardson

Worker's Compensation

Worker's Compensation insurance provides protection for employees who are injured on the job or become ill because of the job. Most worker's comp claims require drug testing before the payment is made.

Health insurance

Health insurance is insurance against the risk of incurring medical expenses among individuals. Health insurance is defined as coverage that provides for the payments of benefits as a result of sickness or injury, insurance losses from accidents, medical expense, disability, or accidental death and dismemberment.


Insurance thats pays all or part of a patient's hospital expense.


Health insurance that covers losses because of surgical expenses.

Regular medical

Insurance that provides coverage for physicians fees for all services with an expection of surgeons fees.


Insurance designed to pay a portion of the costs associated with dental care.


Provides coverage for the services rendered by eye care professionals.


Contract between an insured and an insurer or assurer, insurer promises to pay designated beneficiary a sum of money upon the death of the insured person.