SeiferFlatow, PLLC
Description
Address: 2319 Crescent Ave, Charlotte, NC 28207 Hours: Open ⋅ Closes 5:30PM Monday8AM–5:30PMTuesday8AM–5:30PMWednesday8AM–5:30PMThursday8AM–5:30PMFriday8AM–4:30PMSaturdayClosedSundayClosedSuggest an edit Unable to add this file. Please check that it is a valid photo. Phone: (704) 512-0606Category: : : : : Place name: Website: : : Website: http://seiferflatowlaw.com/ Category: Attorney Suggest an editUnable to add this file. Please check that it is a valid photo. Unable to add this file. Please check that it is a valid photo. Questions & answers Ask a questionBe the first to ask a question
SeiferFlatow, PLLC List of Employees There's an exhaustive list of past and present employees! Get comprehensive information on the number of employees at SeiferFlatow, PLLC. You can filter them based on skills, years of employment, job, education, department, and prior employment.
SeiferFlatow, PLLC Salaries. You can even request information on how much does SeiferFlatow, PLLC pay if you want to. Learn about salaries, pros and cons of working for SeiferFlatow, PLLC directly from the past employees.
Find People by Employers You can rekindle an old relationship, reconnect with a long-lost friend, former boss, business acquaintance who might be useful in your new line of work. With our employee database, the possibilities are endless. All you have to do is type in a couple of keywords and we'll bring you the exact information you wanted!
14 SeiferFlatow, PLLC employees in database. Find out everything there's to know about SeiferFlatow, PLLC employees. We offer you a great deal of unbiased information from the internal database, personal records, and many other details that might be of interest to you.
SeiferFlatow, PLLC Employees
Employee
Years
Job
Industry
Vanessa McCarty Vanessa McCarty's SeiferFlatow, PLLC Experience June 2012 - Present
Job Paralegal at SeiferFlatow, PLLC
Industry Legal Services
Experience
SeiferFlatow, PLLC June 2012 - Present
A+B Trenching Co. Inc. June 2011 - November 2011
Coach August 2009 - June 2011
Skills
Legal Writing, Time Management, Personal Injury, Employment Law, Microsoft Office, Microsoft Word, Civil Litigation, Commercial Litigation, Litigation, Outlook, Legal Research, Payroll, Workers Compensation, Personal Injury..., Customer Service, Social Media, Microsoft Excel
Education
University of North Carolina at Charlotte 2006 — 2010
B.A., cum laude, Psychology, Criminal Justice, Sociology
Central Piedmont Community College 2011 — 2012
Diploma, Paralegal Technology
SeiferFlatow, PLLC June 2012 - Present
A+B Trenching Co. Inc. June 2011 - November 2011
Coach August 2009 - June 2011
Skills
Legal Writing, Time Management, Personal Injury, Employment Law, Microsoft Office, Microsoft Word, Civil Litigation, Commercial Litigation, Litigation, Outlook, Legal Research, Payroll, Workers Compensation, Personal Injury..., Customer Service, Social Media, Microsoft Excel
Education
University of North Carolina at Charlotte 2006 — 2010
B.A., cum laude, Psychology, Criminal Justice, Sociology
Central Piedmont Community College 2011 — 2012
Diploma, Paralegal Technology
Elyse Barletta Elyse Barletta's SeiferFlatow, PLLC Experience October 2012 - December 2012
Job Child Care Provider
Industry Individual & Family Services
Experience
Norman Family February 2013 - January 2014
SeiferFlatow, PLLC October 2012 - December 2012
Nix Family July 2010 - August 2012
Breedlove Family April 2010 - August 2010
Tatel-McMilan Family June 2009 - August 2009
Congregation Beth Israel May 2009 - July 2009
Hanlon Family May 2008 - August 2008
American University May 2007 - August 2007
Davis Family July 2005 - August 2006
Abercrombie & Fitch April 2005 - August 2005
Skills
Academic Tutoring, Peer Editing, Childcare, Original Research, Social Media, History, Art History, Jewish History, Community Outreach, Microsoft Word, PowerPoint, Microsoft Office, Event Management, Child Development, Leadership, Research, Editing, Tutoring, Blogging, Social Networking
Education
American University 2006 — 2009
Bachelor of Arts (B.A.), History, Art History
The University of Kansas 2005 — 2006
Bachelor of Arts (B.A.), History
LHS
Norman Family February 2013 - January 2014
SeiferFlatow, PLLC October 2012 - December 2012
Nix Family July 2010 - August 2012
Breedlove Family April 2010 - August 2010
Tatel-McMilan Family June 2009 - August 2009
Congregation Beth Israel May 2009 - July 2009
Hanlon Family May 2008 - August 2008
American University May 2007 - August 2007
Davis Family July 2005 - August 2006
Abercrombie & Fitch April 2005 - August 2005
Skills
Academic Tutoring, Peer Editing, Childcare, Original Research, Social Media, History, Art History, Jewish History, Community Outreach, Microsoft Word, PowerPoint, Microsoft Office, Event Management, Child Development, Leadership, Research, Editing, Tutoring, Blogging, Social Networking
Education
American University 2006 — 2009
Bachelor of Arts (B.A.), History, Art History
The University of Kansas 2005 — 2006
Bachelor of Arts (B.A.), History
LHS
Hayley Cohen Hayley Cohen's SeiferFlatow, PLLC Experience November 2012 - January 2013
Job Legal Assistant at Shapiro and Ingle, LLP
Industry Law Practice
Experience
Shapiro and Ingle, LLP January 2015 - Present
Caudle & Spears, P.A. April 2014 - December 2014
Hedrick Gardner Kincheloe & Garofalo October 2013 - April 2014
Hedrick Gardner Kincheloe & Garofalo January 2013 - November 2013
Temple Israel of Charlotte August 2012 - June 2013
SeiferFlatow, PLLC November 2012 - January 2013
Skills
Social Media, Time Management, Civil Litigation, Customer Service, Notary Public, Microsoft Word, Facebook, PowerPoint, Bankruptcy, Meeting Scheduling, Microsoft Office, Microsoft Excel, Food & Beverage, Conference Organization, Hospitality, Recruiting, Restaurants, Food Service, Bartending, Catering, Needles, Client Profiles, Worlddox, Practicemaster, Social Networking, Data Entry, Courts, PACER, CMS, LPS Desktop, Lenstar, Equator
Education
Central Piedmont Community College 2013 — 2015
Paralegal Studies
University of North Carolina at Charlotte 2008 — 2012
Bachelor of Arts (B.A.), Sociology
American Hebrew University 2007 — 2008
Shapiro and Ingle, LLP January 2015 - Present
Caudle & Spears, P.A. April 2014 - December 2014
Hedrick Gardner Kincheloe & Garofalo October 2013 - April 2014
Hedrick Gardner Kincheloe & Garofalo January 2013 - November 2013
Temple Israel of Charlotte August 2012 - June 2013
SeiferFlatow, PLLC November 2012 - January 2013
Skills
Social Media, Time Management, Civil Litigation, Customer Service, Notary Public, Microsoft Word, Facebook, PowerPoint, Bankruptcy, Meeting Scheduling, Microsoft Office, Microsoft Excel, Food & Beverage, Conference Organization, Hospitality, Recruiting, Restaurants, Food Service, Bartending, Catering, Needles, Client Profiles, Worlddox, Practicemaster, Social Networking, Data Entry, Courts, PACER, CMS, LPS Desktop, Lenstar, Equator
Education
Central Piedmont Community College 2013 — 2015
Paralegal Studies
University of North Carolina at Charlotte 2008 — 2012
Bachelor of Arts (B.A.), Sociology
American Hebrew University 2007 — 2008
Megan Patton Megan Patton's SeiferFlatow, PLLC Experience July 2013 - January 2014
Job Licensing Specialist at Crown Castle
Industry Legal Services
Experience
Crown Castle January 2014 - Present
SeiferFlatow, PLLC July 2013 - January 2014
Hartnett Fisch July 2012 - May 2013
Unique Active Printing December 2004 - May 2013
Cadore-Miller Printing July 2003 - December 2004
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint, Customer Service, Windows, Outlook, Photoshop, Legal Research, Adobe Creative Suite, Westlaw, Fast Docs, Illustrator, QuarkXPress, Litigation
Education
College of DuPage 2010 — 2012
Paralegal Certificate
Columbia College Chicago 2000 — 2002
Bachelor of Arts (B.A.), Commercial and Advertising Art
Crown Castle January 2014 - Present
SeiferFlatow, PLLC July 2013 - January 2014
Hartnett Fisch July 2012 - May 2013
Unique Active Printing December 2004 - May 2013
Cadore-Miller Printing July 2003 - December 2004
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint, Customer Service, Windows, Outlook, Photoshop, Legal Research, Adobe Creative Suite, Westlaw, Fast Docs, Illustrator, QuarkXPress, Litigation
Education
College of DuPage 2010 — 2012
Paralegal Certificate
Columbia College Chicago 2000 — 2002
Bachelor of Arts (B.A.), Commercial and Advertising Art
Dominique Koch Dominique Koch's SeiferFlatow, PLLC Experience August 2015 - Present
Job Attorney at SeiferFlatow, PLLC
Industry Law Practice
Experience
SeiferFlatow, PLLC August 2015 - Present
Hedrick Gardner Kincheloe & Garofalo September 2012 - July 2015
North Carolina Center on Actual Innocence January 2012 - September 2012
Skills
Legal Research
Education
Campbell Law School 2008 — 2011
J.D., Advocacy Track
Gettysburg College 2004 — 2008
B.A., Sociology, Elementary Education
SeiferFlatow, PLLC August 2015 - Present
Hedrick Gardner Kincheloe & Garofalo September 2012 - July 2015
North Carolina Center on Actual Innocence January 2012 - September 2012
Skills
Legal Research
Education
Campbell Law School 2008 — 2011
J.D., Advocacy Track
Gettysburg College 2004 — 2008
B.A., Sociology, Elementary Education
Hailee Kuvinka's SeiferFlatow, PLLC Experience May 2014 - Present
Job University of North Carolina at Charlotte Alumni
Industry Legal Services
Experience
SeiferFlatow, PLLC May 2014 - Present
Union County Public Schools September 2013 - May 2014
The Melting Pot November 2010 - October 2012
Skills
Legal Assistance, Needles, Microsoft Outlook, Microsoft Word, Microsoft Excel, PowerPoint, SPSS, Data Analysis, Critical Thinking, Research, Legal Research, Team Leadership, Organized Multi-tasker, Communication Skills, Highly responsible, Public Speaking, Project Management, Event Planning, Customer Service, Hospitality, Manage Client..., Employee Training, Passion for Helping..., Volunteering
Education
Central Piedmont Community College 2014 — 2015
Paralegal Technology Post-Baccalaureate Diploma, Law
University of North Carolina at Charlotte 2009 — 2013
Bachelor of Arts (B.A.), Political Science and Government
SeiferFlatow, PLLC May 2014 - Present
Union County Public Schools September 2013 - May 2014
The Melting Pot November 2010 - October 2012
Skills
Legal Assistance, Needles, Microsoft Outlook, Microsoft Word, Microsoft Excel, PowerPoint, SPSS, Data Analysis, Critical Thinking, Research, Legal Research, Team Leadership, Organized Multi-tasker, Communication Skills, Highly responsible, Public Speaking, Project Management, Event Planning, Customer Service, Hospitality, Manage Client..., Employee Training, Passion for Helping..., Volunteering
Education
Central Piedmont Community College 2014 — 2015
Paralegal Technology Post-Baccalaureate Diploma, Law
University of North Carolina at Charlotte 2009 — 2013
Bachelor of Arts (B.A.), Political Science and Government
Adam Seifer Adam Seifer's SeiferFlatow, PLLC Experience April 2011 - Present
Job Partner/CoFounder at SeiferFlatow, PLLC
Industry Law Practice
Experience
SeiferFlatow, PLLC April 2011 - Present
Skills
Litigation, Civil Litigation, Insurance, Personal Injury, Workers Compensation, Criminal Defense, Commercial Litigation, Courts, Wrongful Death, Personal Injury..., Trial Practice, Trials, Mediation, Automobile Accidents, Legal Research, Legal Writing, Public Liability, Employment Law, Medical Malpractice, Torts, Insurance Law, Product Liability, Construction Law, Hearings, Appeals, Depositions, Corporate Law, Litigation Management, Class Actions, Legal Issues, Trade Secrets, Toxic Tort, Estate Planning, Employment..., Legal Assistance, Appellate Practice, Legal Compliance, Alternative Dispute..., Arbitration, Discrimination
Education
University of Illinois College of Law 1997 — 2000
JD, Law
University of Illinois at Urbana-Champaign - College of Business 1996 — 1997
MBA, Business Administration
Tufts University 1992 — 1996
BS, Economics
University of Oxford 1994 — 1995
Economics
HF
SeiferFlatow, PLLC April 2011 - Present
Skills
Litigation, Civil Litigation, Insurance, Personal Injury, Workers Compensation, Criminal Defense, Commercial Litigation, Courts, Wrongful Death, Personal Injury..., Trial Practice, Trials, Mediation, Automobile Accidents, Legal Research, Legal Writing, Public Liability, Employment Law, Medical Malpractice, Torts, Insurance Law, Product Liability, Construction Law, Hearings, Appeals, Depositions, Corporate Law, Litigation Management, Class Actions, Legal Issues, Trade Secrets, Toxic Tort, Estate Planning, Employment..., Legal Assistance, Appellate Practice, Legal Compliance, Alternative Dispute..., Arbitration, Discrimination
Education
University of Illinois College of Law 1997 — 2000
JD, Law
University of Illinois at Urbana-Champaign - College of Business 1996 — 1997
MBA, Business Administration
Tufts University 1992 — 1996
BS, Economics
University of Oxford 1994 — 1995
Economics
HF
Mathew Flatow Mathew Flatow's SeiferFlatow, PLLC Experience April 2011 - Present
Job Managing Partner at SeiferFlatow, PLLC
Industry Legal Services
Experience
SeiferFlatow, PLLC April 2011 - Present
Hedrick Gardner Kincheloe & Garofalo September 2006 - March 2011
Legal Aid Society of Northwest North Carolina 2004 - 2004
UNIFI, Inc 2004 - 2004
Skills
Commercial Litigation, Personal Injury..., Workers Compensation, Civil Litigation, Personal Injury, Litigation, General Liability, Product Liability, Corporate Law, Auto Accidents, Catastrophic Personal..., Torts, Premises Liability, Toxic Tort, Wrongful Death, Liability, Trial Practice, Insurance Law, Employment Litigation, Employment Law, Criminal Law, Courts, Business Litigation, Public Liability, Medical Malpractice, Automobile Accidents
Education
Wake Forest University School of Law 2003 — 2006
Juris Doctor, Law
University of Notre Dame 1999 — 2003
Bachelor, Political Science
SeiferFlatow, PLLC April 2011 - Present
Hedrick Gardner Kincheloe & Garofalo September 2006 - March 2011
Legal Aid Society of Northwest North Carolina 2004 - 2004
UNIFI, Inc 2004 - 2004
Skills
Commercial Litigation, Personal Injury..., Workers Compensation, Civil Litigation, Personal Injury, Litigation, General Liability, Product Liability, Corporate Law, Auto Accidents, Catastrophic Personal..., Torts, Premises Liability, Toxic Tort, Wrongful Death, Liability, Trial Practice, Insurance Law, Employment Litigation, Employment Law, Criminal Law, Courts, Business Litigation, Public Liability, Medical Malpractice, Automobile Accidents
Education
Wake Forest University School of Law 2003 — 2006
Juris Doctor, Law
University of Notre Dame 1999 — 2003
Bachelor, Political Science
Elizabeth Garabedian's SeiferFlatow, PLLC Experience July 2015 - Present
Job Legal Assistant at SeiferFlatow, PLLC
Industry Legal Services
Experience
SeiferFlatow, PLLC July 2015 - Present
Von Maur June 2014 - February 2015
The Ohio State University August 2012 - April 2014
Pi Beta Phi Fraternity January 2013 - January 2014
614 Media Group September 2013 - December 2013
Better Government Association May 2013 - August 2013
The Ohio State University January 2013 - April 2013
The Ohio State University January 2012 - December 2012
CollegeSportsFeed.com January 2012 - May 2012
NCAA March 2012 - March 2012
Skills
Editing, Microsoft Office, Social Media, Event Planning, Strategic Communications, Research, Strategic Planning, Time Management, Newsletters, Writing, Microsoft Excel, Retail, AP Style, Sales, Clientele Development, Management, Merchandising, Visual Merchandising, Fashion, Customer Service, News Writing
Education
University of North Carolina at Charlotte 2015 — 2015
Paralegal Certificate Program
The Ohio State University 2010 — 2014
Bachelor of Arts (B.A.), Journalism
Lyons Township High School 2006 — 2010
SeiferFlatow, PLLC July 2015 - Present
Von Maur June 2014 - February 2015
The Ohio State University August 2012 - April 2014
Pi Beta Phi Fraternity January 2013 - January 2014
614 Media Group September 2013 - December 2013
Better Government Association May 2013 - August 2013
The Ohio State University January 2013 - April 2013
The Ohio State University January 2012 - December 2012
CollegeSportsFeed.com January 2012 - May 2012
NCAA March 2012 - March 2012
Skills
Editing, Microsoft Office, Social Media, Event Planning, Strategic Communications, Research, Strategic Planning, Time Management, Newsletters, Writing, Microsoft Excel, Retail, AP Style, Sales, Clientele Development, Management, Merchandising, Visual Merchandising, Fashion, Customer Service, News Writing
Education
University of North Carolina at Charlotte 2015 — 2015
Paralegal Certificate Program
The Ohio State University 2010 — 2014
Bachelor of Arts (B.A.), Journalism
Lyons Township High School 2006 — 2010
Austin Baker Austin Baker's SeiferFlatow, PLLC Experience June 2015 - August 2015
Job Associate Attorney at Morgan & McMillan, PLLC
Industry Legal Services
Experience
Morgan & McMillan, PLLC August 2015 - Present
SeiferFlatow, PLLC June 2015 - August 2015
Legal Services of Southern Piedmont March 2015 - June 2015
Law Offices of F. Craig Wilkerson June 2013 - August 2013
TIAA-CREF January 2013 - May 2013
Foodman, Hunter, & Karres PLLC May 2012 - August 2012
Skills
Westlaw, PowerPoint, Microsoft Word, Legal Research, Legal Writing, Microsoft Office, Microsoft Excel, Lexis, Research, Public Speaking, Outlook, Customer Service, Event Planning, Social Media, SoftPro, Leadership
Education
Charlotte School of Law 2011 — 2014
JD
Mississippi State University 2007 — 2011
Bachelor of Buiness Administration, Marketing
Morgan & McMillan, PLLC August 2015 - Present
SeiferFlatow, PLLC June 2015 - August 2015
Legal Services of Southern Piedmont March 2015 - June 2015
Law Offices of F. Craig Wilkerson June 2013 - August 2013
TIAA-CREF January 2013 - May 2013
Foodman, Hunter, & Karres PLLC May 2012 - August 2012
Skills
Westlaw, PowerPoint, Microsoft Word, Legal Research, Legal Writing, Microsoft Office, Microsoft Excel, Lexis, Research, Public Speaking, Outlook, Customer Service, Event Planning, Social Media, SoftPro, Leadership
Education
Charlotte School of Law 2011 — 2014
JD
Mississippi State University 2007 — 2011
Bachelor of Buiness Administration, Marketing
Sarah LeStrange's SeiferFlatow, PLLC Experience January 2013 - June 2013
Job Research Data Coordinator at Levine Cancer Institute
Industry Hospital & Health Care
Experience
Levine Cancer Institute August 2015 - Present
Wake Forest Baptist Health February 2014 - July 2015
SeiferFlatow, PLLC January 2013 - June 2013
State Farm Insurance April 2012 - January 2013
UNC Charlotte January 2010 - May 2012
Skills
Clinical Research, REDCap, Microsoft Excel, Data Entry, Data Analysis, IRB, Leadership, Time Management, Customer Service, Management, SPSS, Teamwork, Outlook, Microsoft Word, Critical Thinking, PowerPoint, Fundraising, Social Media, Retail, Insurance, Social Networking, Administrative..., Microsoft Office, Event Management, Community Outreach, Event Planning, Coordinating Events, Student Leadership
Education
University of North Carolina at Charlotte 2008 — 2012
Bachelor of Arts (B.A.), Psychology and Sociology
R.J. Reynolds High School 2004 — 2008
High School Diploma
Levine Cancer Institute August 2015 - Present
Wake Forest Baptist Health February 2014 - July 2015
SeiferFlatow, PLLC January 2013 - June 2013
State Farm Insurance April 2012 - January 2013
UNC Charlotte January 2010 - May 2012
Skills
Clinical Research, REDCap, Microsoft Excel, Data Entry, Data Analysis, IRB, Leadership, Time Management, Customer Service, Management, SPSS, Teamwork, Outlook, Microsoft Word, Critical Thinking, PowerPoint, Fundraising, Social Media, Retail, Insurance, Social Networking, Administrative..., Microsoft Office, Event Management, Community Outreach, Event Planning, Coordinating Events, Student Leadership
Education
University of North Carolina at Charlotte 2008 — 2012
Bachelor of Arts (B.A.), Psychology and Sociology
R.J. Reynolds High School 2004 — 2008
High School Diploma
Wesley Rainer Wesley Rainer's SeiferFlatow, PLLC Experience May 2015 - Present
Job Student at Wake Forest School of Law
Industry Law Practice
Experience
SeiferFlatow, PLLC May 2015 - Present
Wake Forest School of Law May 2013 - May 2014
Hon. Lawrence J. Fine, District Court Judge May 2013 - June 2013
O'Bannon & O'Bannon, LLC May 2012 - August 2012
Rothschild & Ausbrooks PLLC September 2010 - July 2011
David Zager & Associates September 2009 - January 2011
Tennessee Center for Policy Research May 2008 - August 2008
Skills
Event Planning, Legal Research, Westlaw, Research, Microsoft Excel, Microsoft Office, Public Speaking, Legal Writing, Fundraising, PowerPoint, Social Media, Editing, Community Outreach
Education
Wake Forest University School of Law 2011 — 2014
Belmont University 2006 — 2010
BS, Political Science & Economics
SeiferFlatow, PLLC May 2015 - Present
Wake Forest School of Law May 2013 - May 2014
Hon. Lawrence J. Fine, District Court Judge May 2013 - June 2013
O'Bannon & O'Bannon, LLC May 2012 - August 2012
Rothschild & Ausbrooks PLLC September 2010 - July 2011
David Zager & Associates September 2009 - January 2011
Tennessee Center for Policy Research May 2008 - August 2008
Skills
Event Planning, Legal Research, Westlaw, Research, Microsoft Excel, Microsoft Office, Public Speaking, Legal Writing, Fundraising, PowerPoint, Social Media, Editing, Community Outreach
Education
Wake Forest University School of Law 2011 — 2014
Belmont University 2006 — 2010
BS, Political Science & Economics
Destin Hall's SeiferFlatow, PLLC Experience July 2015 - Present
Job Partner/Lawyer at Fleischer & Hall, PLLC
Industry Law Practice
Experience
Fleischer & Hall, PLLC July 2015 - Present
SeiferFlatow, PLLC July 2015 - Present
SeiferFlatow, PLLC August 2014 - July 2015
Wilson, Lackey & Rohr, P.C. May 2013 - August 2013
Superior Court Judge Beverly Beal May 2012 - August 2012
Jackson Sumner & Associates February 2010 - July 2010
Allstate May 2009 - August 2009
Car Depot June 2005 - August 2007
Skills
Legal Research, Legal Writing, Public Speaking, Courts, Civil Litigation, Westlaw, Research, PowerPoint, Microsoft Excel, Criminal Law, Insurance, Underwriting
Education
Wake Forest University School of Law
Juris Doctor (J.D.)
Appalachian State University
Bachelor of Science, Business Administration; Finance and Banking; Risk Management and Insurance
Fleischer & Hall, PLLC July 2015 - Present
SeiferFlatow, PLLC July 2015 - Present
SeiferFlatow, PLLC August 2014 - July 2015
Wilson, Lackey & Rohr, P.C. May 2013 - August 2013
Superior Court Judge Beverly Beal May 2012 - August 2012
Jackson Sumner & Associates February 2010 - July 2010
Allstate May 2009 - August 2009
Car Depot June 2005 - August 2007
Skills
Legal Research, Legal Writing, Public Speaking, Courts, Civil Litigation, Westlaw, Research, PowerPoint, Microsoft Excel, Criminal Law, Insurance, Underwriting
Education
Wake Forest University School of Law
Juris Doctor (J.D.)
Appalachian State University
Bachelor of Science, Business Administration; Finance and Banking; Risk Management and Insurance