Which site is the most appropriate for placement of a dispersive pad?

Which of the following is a post-loss risk management objective? 

Avitene is a form of ____.

Hemostasis is stopping the loss of blood.

An individual’s personal estimate of the chance of loss is

Which of the following is an example of a noninsurance risk transfer? 

If   _________ breaks during the healing process, the wound could open along the entire length of the incision.

A group of farmers agreed that if any farmer suffered a property loss, the loss would be spread over the entire group. In this way, each farmer is responsible for the average loss of the group rather than the actual loss that the farmer sustained. Which characteristic of insurance is embodied in this agreement?

 Which site is the most appropriate for placement of a dispersive pad?

All of the following are disadvantages of using insurance in a risk management program EXCEPT