Northern State University Are Women or Men Safer Drivers Discussion Follow the instruction that is written on the file. a. each paper must be typed/ printe

Northern State University Are Women or Men Safer Drivers Discussion Follow the instruction that is written on the file. a. each paper must be typed/ printed 3 to 3 and a half pages in length, 12 pt; line spacing between 1 to 1.5 lines b. each paper must clearly state the question/issue, provide an answer or explanation or discussion, and make reference to the source (s) from which the answer/ explanation was obtained. c. logical discussion; there is no wrong or right answer for many issues in risk management and insurance. as long as your discussion supports your opinion, it is a good paper. I do not just expect to see the right answers (if any); instead the focus will be on your reasoning. d. do not forget to include references. e. concise and clear conclusion Herberger Business School
Goal 1: Our students will be effective written and oral communicators.
Objective 1: Students will communicate effectively in writing using appropriate content, organization, expression, and mechanics.
(May be
customized by
(See attached
for items
(See attached
for items
(See attached
for items
Below Expectations
Content is poorly developed.
Assertions are not supported by
evidence; details are absent or
vague. 1J.nclear wording reflects lack
of understanding of content. v11r1ttet1
work does not meet requirements of
Writiog is rambling aod 1mfoi;;used,
IJl,(ilb maio tbewe a11d sr rppoding
details 12resented in a
work lacks
beginning, development, and
conclusion. Organizational structure
and paragraphing have serious and
persistent errors.
Sentences fail to communicate
clearly. Writing has major
deficiencies in sentence structure
(awkwardness, run-ans, fragments,
comma splices) and word choice
(slang, there/their, which/that, etc.).
Errors in verb tense (past/present,
passive/active), person
(first/second), wordiness, and tone
interfere with meaninq.
Writing contains numerous errors in
grammar (subject-verb agreement,
pronoun-antecedent agreement,
clear referents, possessives/plurals,
etc.); punctuation (commas, colons,
semicolons, apostrophes,
parentheses, etc.); mechanics
(numbers, abbreviations, spacing,
format, etc.); spelling; or
proofreading. Errors are very
distracting or interfere with meaning.
Revised November 2015
Meets Expectations
Content is evident with some
supporting details. Assertions are
supported b¥ some evidence.
Written work’. ger ierally meets
requirements of assignment.
Writing demonstrates some grasp of
organization with a discernible
theme and supporting details.
Written work has adequate
beginning, development, and
conclusion. Paragraphing and
transitions are adequate.
Exceeds Expectations
Content is well developed, effectively
supported and appropriate for the
assignment. Assertions are clearly
supported by evidence. Effective
thinking is clearly and creatively
expressed. Written work meets or
exceeds requirements of assignment.
Writing demonstrates logical
development with clear purpose and
sufficient support for ideas. Written
work has clear and appropriate
beginning, development, and
conclusion. Paragraphing and
transitions are clear and appropriate.
Sentences show minimal errors in
structure and word choice. Errors in
verb tense, person, wordiness, and
tone do not interfere with meaning.
Sentences are virtually error free and
show excellent usage of structure and
tone. Errors are not obvious or

errors in
grammar, punctuation, mechanics,
spelling, or proofreading. Errors do
not interfere with meaning.
Writing has no distracting errors in
grammar, punctuation, mechanics,
spelling, or proofreading.
Herberger Business School
Writing Error Checklist
Major Errors:
Fails to Meet
Excessive use of:
• Wordiness
• Repetition of words or ideas
• Inappropriate use of
active/passive verbs
sentence structure
• Inaccurate word choice (meaning)
or forms (e.g. their, they’re, there)
Use of:
Mayor May
not Meet
Any of items named above but not
to excess
Repetitive sentence structure (lack
of variety)
Inappropriate tone
Rhetorical questions
“It is” or “There are” sentence
structures (expletives)
Weak language (seems, might be)
W =wordy
(partial list)
rep = repititious
pass = passive verb
awk = awkward sentence/construction
unclear/clarity/MNS =meaning unclear
ww = wrong word
E = expletive
AL = assertive language needed
sl = slang vocabulary
Gram mar/Meehan ics/Format
Failure to:
• Make subjects and verbs agree
• Use complete sentences
• Use appropriate pronouns
• Define referents (e.g. who “they” is is
• Correctly use possessives &
• Spell words correctly and proof-read
Use of:
• Personification
• Non-parallel format in sentences & lists
• Prepositions or verbs at ends of
• Incorrect sentence structures: comma
splices, fused or run-on sentences
• Misplaced or missing commas
• Inappropriate verb tenses
• Incorrect message format
• Incorrect spacing & appearance
agr = agreement error: subject-verb, prounounreferent, singular-plural
Unclear topic
Ineffective transitions
introductory or
concluding statement
Unclear purpose
Insufficient support
for ideas
business outline
unclear/clarity/MNS =
meaning unclear
trans = need transition
frag = incomplete sentence, fragment
ref = referent error, pronoun is unclear
°J = delete
= error circled
Tr= transpose (swap character order)
Revised November 2015
= insert (comma, word etc.)
= insert new paragraph
Citation explanation
I do not require you to use a certain specific reference
style; and only require you have the relevant contents in
your reference.
Contents that should be included in the reference: vary depending on the type of
source and may include:
Web site: author(s), article title, the URL, and publish or update date.
Book: author(s), book title, publisher, date of publication, and page number(s)
Journal: author(s), article title, journal title, year of publication, volume and issue
no. and page number(s).
Newspaper: author(s), article title, name of newspaper, section title and page
number(s), date of publication.
Interview: name of interviewee, interview descriptor (ex. personal interview) and
date of interview.
Examples of APA style reference format and in-text citations can be found at “Using
In-text Citation” by Penn State University Libraries.
If you want to use certain style, here are some example of reference styles:
APA style (American Psychological Association)
MLA style (Modern Language Association)
ACS style (American Chemical Society)
The Chicago Manual of Style,
Bluebook, ALWD Citation Manual
ASA style
Harvard style
Vancouver system
APSA style
Useful links
Insurance Journal Lots of insurance news stories:
Risk and Insurance Dot Com Current news and stories:
Chubb Companies Good-sized library of case type articles:
Business Insurance Current News and Events:
National Underwriter Current News and Events:
Property & Casualty Dot Com Current News and Events, Jobs, and More…..
Lloyd’s of London History, News, and More:
Risk World News & Views:
Insurance Services Organization A Premier Source of Information:

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