1. Accurately identifies all the risks faced by the client(s)

2. Analyzes these loss exposures with reference to the economic cost, (general terms, not exact numbers great or small), that would result from the occurrence of a loss.

3. Uses the analysis of risk to pair its management with an appropriate risk management technique.

4. Describes the nature of the risk management technique in detail this is particularly important for insurance; what type, what coverages, what amount (approx.), - and provide a defense for why you feel this risk management choice is in the best interest of your client. Remember that risk management techniques are not just insurance.

5. Presentation is easy to follow, organized, and free of grammatical and spelling errors.

Donald is a single guy who lives in an apartment in downtown Denver. He works at a local bar near the University managing a staff of 15. Donald frequently closes the bar at 2 am, then walks about a half mile to his car which he parks on a dimly lit side street to avoid the parking fees in the lots closer to the bar. Donald has been mugged twice and his car, a 2016 BMW, has been broken into; his $800 leather jacket, iPod, and laptop computer stolen from the back seat. Since the theft, Donald has looked into tenant's insurance, (he didn't understand why his auto insurance did not cover the items in his car and is still angry about this perceived injustice), but has not bought a policy; paralyzed by the daunting task of having to inventory his possessions. Donald has no life insurance and the corporation that owns the bar provides health insurance coverage. It also provides a 401(k)-retirement plan and group life insurance, but Donald has opted not to bother to participate. After all,, he has been overheard saying, I'm only 32! Why should I be worried about retirement and life insurance? That's for old people. Donald likes to take exotic vacations and spend money on Italian shoes so has very little in his savings account. Donald's grandfather died last year and left his only grandson 3 pieces of modern art valued at $20,000. Donald doesn't "get" modern art and has the paintings stored in the back of his bedroom closet. Donald's parents are both deceased, and he has one younger sister who is in graduate school in New York. Donald has a small chihuahua, Butch, that is quite vicious when Donald is not around. Butch has already bitten a delivery man, as Donald is a little remiss in keeping him on a leash. Donald is a single guy who lives in an apartment in downtown Denver. He works at a local bar near the University managing a staff of 15. Donald frequently closes the bar at 2 am, then walks about a half mile to his car which he parks on a dimly lit side street to avoid the parking fees in the lots closer to the bar. Donald has been mugged twice and his car, a 2016 BMW, has been broken into; his $800 leather jacket, iPod, and laptop computer stolen from the back seat. Since the theft, Donald has looked into tenant's insurance, (he didn't understand why his auto insurance did not cover the items in his car and is still angry about this perceived injustice), but has not bought a policy; paralyzed by the daunting task of having to inventory his possessions. Donald has no life insurance and the corporation that owns the bar provides health insurance coverage. It also provides a 401(k)-retirement plan and group life insurance, but Donald has opted not to bother to participate. After all,, he has been overheard saying, I'm only 32! Why should I be worried about retirement and life insurance? That's for old people. Donald likes to take exotic vacations and spend money on Italian shoes so has very little in his savings account. Donald's grandfather died last year and left his only grandson 3 pieces of modern art valued at $20,000. Donald doesn't "get" modern art and has the paintings stored in the back of his bedroom closet. Donald's parents are both deceased, and he has one younger sister who is in graduate school in New York. Donald has a small chihuahua, Butch, that is quite vicious when Donald is not around. Butch has already bitten a delivery man, as Donald is a little remiss in keeping him on a leash