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by Hargovind Dayal (Author)
Insurance is perhaps the most effective device for managing 'Risk', which is a pervasive phenomenon, an ever present part of our lives. We can sometimes 'avoid' risk, or 'reduce' it, but never entirely eliminate it.
Whether you are a Graduate student who is studying insurance as a part of your curriculum, or an Executive tasked with the responsibility of managing your Organization's Insurance and Risk Management Program, this book will provide you with a strong conceptual foundation, comprehensive knowledge of non-life and life insurance products, and a perspective of how insurance functions as a part of the economy.
Essentially, you will understand 'why' insurance is needed, 'what' solutions it provides, and 'how' different business processes and professionals work together to deliver the vital compensation to victims of disasters.
Organized in 18 Chapters, comprehensive, but brief and crisp, it continuously relates facts to theories, and concepts to processes, events to their context, and the 'rule-of-thumb' to the underlying 'Basic Principle'. Thus insurance will be de-mystified and you will be empowered to decode "insurance speak".
The book draws from the Author's hands-on experience in the Indian Insurance industry. However, the insights and observations go beyond borders, reflecting universal principles and practices of insurance that are recognized worldwide.
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Our innovation isn’t just in the brands we carry — it’s in the way we connect them. From our automation engine that keeps collections globally updated to our commitment to authenticity-first presentation, STORE 7994 exists where timeless design meets modern precision.
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Returns & Refunds
We want you to shop with confidence at STORE 7994. If your purchase does not meet expectations, eligible items may be returned under the conditions below.
Return Eligibility
Items must be unused, unworn, and in original condition with all tags, packaging, and accessories included. Items showing any signs of wear or damage will not be accepted.
Return Window
Return requests must be made within 14 days of delivery.
Return Shipping
Customers are responsible for return shipping costs unless the item is defective, damaged, or incorrect.
Luxury Items
Items valued over $1,000 may be subject to a 7% restocking fee upon approved return.
Non-Returnable Items
For hygiene and product integrity reasons, the following items are final sale once opened or used:
• Underwear
• Fragrances
• Any worn or used items
Made-to-Order Items
Custom-designed products, including STORE 7994 hoodies, are made exclusively for each customer and are final sale. These items are not eligible for return or exchange unless defective or incorrect.
If you receive a defective or incorrect item, please contact us and we will make it right.
International Shipping & Duties
Many of our products ship directly from trusted international partners. Any applicable customs duties or import taxes are calculated at checkout and are non-refundable, even if the item is returned.
Returns & Associated Fees
All approved returns are subject to a $24 return processing fee. For international orders, duties, taxes, and return fees will be deducted from the original payment.
Shipping Policy
Complimentary shipping is offered on orders over $300. Orders below this threshold are subject to standard shipping rates at checkout.
