John is risk manager of Alpha-2-Omega Company. John wants coverage for "direct physical loss" ("open perils" coverage) under the business and personal property (BPP) coverage form. Which causes-of-loss form should he select?

Industrywide bargaining, as compared to company-by-company negotiations, has become the norm in recent years in recognition of the fact that all firms do not have an equal ability to pay

Indicate whether the statement is true or false

The ability to send vast amounts of data instantly, globally, and constantly is referred to as

A) radical connectivity. B) the Internet of Things. C) the Social Communication model. D) digital information fluency. E) horizontal communications.