ORGANIZATIONAL RISK AND ETHICAL ISSUES CUSTOM ESSAY

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NOTE: I only want online sources in MLA style

Objective
This assessment is designed to introduce students to the concept of organizational risk
and the types of insurance policies that may be purchased based upon the needs of the
buyer. In addition it will allow the students to consider the place that ethics has in the
arrangement and purchase of insurance.

Process
This is an individual assessment and is split into 2 parts. You are required to complete
both parts using a report format. You should submit a minimum of 5 pages excluding your
title page and bibliography.
Your work should be fully referenced including in-text citations using the MLA system.
Submissions that are not correctly referenced will not be graded.
This assessment will be graded using the criteria attached. This assessment will
contribute 30% to your final grade for this course.

Part 1: Organizational Risk
Organizations vary in size, location and the type of business that they undertake. For this
reason they have different needs when they consider purchasing insurance.
Organizations also face risks in different forms and may be considered more or less hazardous.
In Part 1 you are provided with a list of organizations or locations. Select one and prepare
the following:
• 1. A summary of the major risks that you consider they may face
-These could be pure or speculative
• 2. A Summary of the level of hazard you feel they face
-You could categorize these as physical and/or moral
• 3. Recommendation as to what types of insurance they should purchase to protect them from the risks you have identified above

Organizations (Choose one only)
Emirates Airlines
DEWA
Etisalat
British Petroleum
Higher Colleges of Technology
Mashreq Bank
Emaar Properties
Mall of the Emirates
Spinneys
The American Hospital
The Meydan Racecourse
RAK Ceramics

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********NOTE TO PRIVATE WRITING: I provided the whole list of companies but I would prefer if you chose to write about BP as there are many issues to mention. for e.g (from wiki):

3 Environmental record
3.1 Climate change
3.2 1993–1995: Hazardous substance dumping
3.3 2006–2007: Prudhoe Bay
3.4 2010: Texas City chemical leak
3.5 2010: Deepwater Horizon oil spill
3.6 Stock decline and takeover speculations
3.7 Mist mountain project
3.8 Canadian oil sands
4 Safety record
4.1 1965: Sea Gem offshore oil rig disaster
4.2 2005: Texas City Refinery explosion
4.3 2006–2010: Refinery fatalities and safety violations
4.4 2009: North Sea helicopter accident
4.5 2010: Deepwater Horizon well explosion
5 Political record
5.1 2007: Propane price manipulation
5.2 2008: Oil price manipulation
5.3 Baku-Tbilisi-Ceyhan pipeline
5.4 Colombian pipeline
5.5 Contributions to political campaigns
5.6 BP and Russia

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Part 2: Ethical Issues in Insurance
Part 2 requires you to consider ethics and how these can or cannot be applied to
insurance. For this assessment you will need to research and understand the basic
concepts and ideas about business and individual ethics and apply these to the
arrangement of insurance and the insurance industry. You are not required to cover a
whole range of ethical issues, I would rather you select perhaps two and go into greater detail in your selected areas.
Your report will need you to reference ideas from various resources but I do need to see your own views on the subject and whether you agree or disagree with what you discover.
I also require you to identify the reasons why you agree or disagree with any views you include in your project.
Below are some suggestions for that you may consider using as part of your report. This list is not exhaustive. I will give additional credit if you discuss other topics
connected to ethics that are relevant to the discussion.

1. Is the concept of insurance is in itself ethical, for example is it right to take a profit from the misfortune of others or should those insured benefit from the payment or try to profit from a loss?
2. In calculating a risk and setting a premium do insurers act ethically by charging different prices to different individuals or businesses that apply for insurance?
3. If there is a price payable for insurance how can those on low incomes, perhaps the ones that need it the most, obtain insurance protection when they have very little disposable income?
4. Should ethics only be important or what place does formal regulation have in monitoring how the insurance industry operates.
5. What examples of ethical or unethical behaviour can you locate?
6. Does insurance cause individuals or organizations to act unethically?

Assessment Criteria
Scale Criteria Mark?
81-90
The report is clear, concise, free of repetition and easy to understand with a sound
logical conclusion.
• Accurately meets the project brief or comprehensively exceeds the brief and is fully
functional.
• Has applied critical analysis techniques to solve problems in all elements of the
project.
• The report was comprehensively researched and included information relevant to
the project brief with references.

71-80
The report contains a few errors of clarity, conciseness, or repetition, but should
generally be easy to understand with a sound logical conclusion.
• Accurately meets the project brief and exceeds a majority of the brief and is
functional.
• Has applied critical analysis techniques to solve problems in all elements of the
project.
• The report included elements of research and included some information relevant
to the project brief with references.

51-70
The report contains a few errors of clarity, conciseness, or repetition, but should
generally be easy to understand with a logical conclusion.
• Meets a majority of project brief and addresses the majority of the brief and is
functional.
• Has applied critical analysis techniques to solve most problems in elements of the
project.
• The report used research to meet some of the project brief but lacked elements
and the material was incomplete.
31-50 • The report contains some confusing errors of clarity, conciseness, or repetition,
and it is generally not easy to understand, but element of the conclusion are
feasible.
• Meets some requirements of a minority of the project brief and is only partially
functional.
• Has applied critical analysis techniques to solve some problems in elements of the
project.
• The report was not well researched and did not include key areas of important
research or references.

11-30
The report is difficult to follow with confusing errors of clarity, conciseness, or
repetition, and it is generally not easy to understand, which affects the quality of
the conclusion.
• Regularly fails to address the project brief and is not functional.
• Has applied critical analysis techniques to solve few or no problems.
• The report lacked research and did not establish any supporting information or
references relevant to the brief.

0 – 10 Less than above
0 -10 The student will be graded on their contribution to the discussion on BbV. The grading
will look at the quality, not just the quantity of input, generation of ideas, clarity of
thought, interesting ideas and challenging thinking.
Total Marks (This assessment contributes 30% to your final grade)

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