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Summary: Insurance is made up of two components: the transfer of risk and the pooling of premium dollars. Self-insurance alternatives may or may not contain these requisite insurance characteristics. This treatment looks at how a self-insurance program works, what courts have said about the arrangement, and the advantages and disadvantages of instituting such a program.

Topics covered: No single definition Court interpretations of the meaning of self-insurance Are self-insurers subject to state insurance laws? General items to consider Advantages of alternative risk financing techniques Disadvantages of alternative risk financing techniques Growth of alternative risk financing techniques

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