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Alternative dispute-resolution processes are used more frequently with unionized employees than with non-unionized employees.
Risk
The potential for loss, damage, or any other undesirable outcome, often associated with decisions or activities.
Premium
An additional amount paid for a service or product, or the level of coverage or benefits in an insurance policy.
Insured
A person or entity covered under an insurance policy to protect against certain risks or losses.
Insurer
A company or entity that provides insurance coverage to individuals, businesses, or other entities against financial loss or damage.
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