Tuesday, February 18, 2020

Crisis Intervention Lesson Plan Essay Example | Topics and Well Written Essays - 7250 words

Crisis Intervention Lesson Plan - Essay Example 1). The primary goal of crisis intervention is to "help subjects in crisis defuse their emotions, lowering the potential for violence in an incident and buying time for better decision making and tactical preparations" (Regini, 2004, p. 1). Crisis negotiations is not a solution to ones problems rather it is a means to calm the subject enough to find other short term means of coping with their perceived stressors short term to end the current crisis situation with minimal force. Before discussing specific instances where crisis intervention is utilized, a brief understanding of the key skills involved in crisis intervention will be outlined as follows: empathy, active listening, being nonjudgmental, and setting of boundaries, the ability to restate the subject's often emotional ideas and thoughts, and problem solving skills. One of the basic tenets of crisis intervention understands and recognizing the range of motions involved in crisis situations. To one degree or another each of us has experienced fear, rejection anger, frustration and depression. This basic human understanding coupled with the skill set listed previously and a police officers tactical knowledge will enable him to effectively deal with a crisis situation. Em Empathy is not a static behavior nor is it merely showing sympathy or pity for the subject's actions or situation. Empathy involves both listening and understanding the subject's current situation. It does not mean that there is necessarily agreement or disagreement merely understanding. The goal of empathy is to develop a means of communicating which enables the subject to develop trust. According to Regini (2004) without some level of trust between the police officer and the subject there can be no peaceful resolution of the situation. To achieve this trust, it becomes obvious the empathy involves the use of active listening skills in order to facilitate the bond between the police officer and the subject. As the term implies, active listening is more than listening to the subject and nodding in approval. Active listening requires demonstrated behaviors by the officer. Without communication no trust can develop; therefore, active listening involves engaging the subject into communication and maintaining that communication. Allowing the subject to vent eases the emotions the situation and begins to allow him to focus on dealing with the short term problem, not escalating the current situation. One of the primary techniques of active listening is reflection - restating what the subject has said and the emotions that are interlaced with it. According to Regini (2004) the FBI has found eight strategies of active listening all of which involve reflection that have proven to be very effective in diffusing a highly charged, volatile situation. These include: Emotion Labeling Paraphrasing Reflecting/Mirroring Effective Pauses Minimal Encouragers 'I' Messages Summarization Open-ended questions/statements (p. 3). One of the most critical aspects of developing trust through empathy is the ability

Monday, February 3, 2020

The Mechanism that Insurance Companies Use to Underwrite and Price Essay

The Mechanism that Insurance Companies Use to Underwrite and Price that Class of Business - Essay Example Word-counts: 3061 Table of Contents Table of Contents 2 Introduction 3 Insurance and Risk Management 3 Marine Insurance and the Mechanism of Underwriting and Pricing of it 5 Marine Insurance 5 Major Classifications of Marine Insurance 7 Underwriting and Pricing Mechanism of Marine Insurance 7 Underwriting: The logic and the practical applicability 7 7 Underwriting mechanism 8 How Underwriting Works in Marine Insurance 9 Pricing the Marine Insurance 11 Basic Principles applicable to underwriting and pricing of an insurance contract 12 1- Utmost Good Faith: 12 2- Insurable Interest 13 Conclusion 13 References 14 Introduction In the view of Economics, Insurance is a technique of risk management that is basically used for compensating the risks of a contingent and uncertain financial risk. Insurance is social in nature and economic in practical since it represents the mutual cooperation and collaboration of various individuals as well as groups from their benefits by combining together w ith a view to reduce the consequences of financial risks. As Owojori and Oluwagbuyi (2011, P. 275) pointed out, Insurance is a comprehensive economic and social device for handling various risks that affect life, property and so on. This piece of research paper explains conceptual framework and theoretical underpinning of Insurance and its basic principles in relation to explaining the mechanism of underwriting and pricing Marine insurance by an insurance company.... Insurance company doesn’t guarantee decreasing of the uncertainty for the individual as to whether the financial risk will occur and it doesn’t alter the probability of risk-occurrence, but it reduces the probability of the financial risk that is connected to the specific event-occurrence (Vaughan and Vaughan, 2007, p. 35). For instance, from the business point of view, when the business man insures his ship against perils at sea, the uncertainty regarding the financial loss in that event will be eliminated. Insurance plays imperative role in the development of economy for the following reasons: Insurance helps pooling of the risks and ensures indemnifying the financial loss against risk of life or property, Insurance gives confidence to entrepreneurs that their loss, which may affect their continuity of the business, will be compensated, Ensures greater flow of money as surplus money in various insurance companies are widely used for economic and government related inv estments, Risk, loss and contingencies, if they are not compensated, will cause many companies or businesses go out of their operation which in turn adversely affects the development of the economy. Risk Management is wider term as it encompasses variety of tools including insurance too. Insurance is one of the techniques for risk management. According to ISO Guide 73, risk management is a coordinated, systematic and structured activities that direct and control a business or other organization with regard to the risk it faced (Reuvid, 2010, p. 58). An organization can take any of different forms of risk management tools. The optimum approach to the risk management is to seek attaining a balanced position, by protecting the firm from the impacts of any negative effects