Distinguished - Paper is logically organized with a well-written introduction, thesis statement, and conclusion.

Proficient - Paper is logically organized with an introduction, thesis statement, and conclusion. One of these requires improvement.

Basic - Paper is organized with an introduction, thesis statement, and conclusion. One or more of the introduction, thesis statement, and/or conclusion require improvement.

Below Expectations - Paper is loosely organized with an introduction, thesis statement, and conclusion. The introduction, thesis statement, and/or conclusion require much improvement.

Non-Performance - The introduction, thesis statement, and conclusion are either nonexistent or lack the components described in the assignment instructions.

Distinguished - Selects and thoroughly and clearly explains at least one type of insurance. The explanation is fully supported with relevant examples and scholarly sources.

Proficient - Selects and explains at least one type of insurance. The explanation is supported with scholarly sources and examples but minor details are missing or unclear.

Basic - Selects and partially explains at least one type of insurance. The explanation is somewhat supported with scholarly sources and examples but relevant details are missing and/or unclear.

Below Expectations - Selects and attempts to explain at least one type of insurance, but the explanation is not supported with scholarly sources and examples and/or significant details are missing and/or unclear.

Non-Performance - The selection and explanation of at least one type of insurance is either nonexistent or lacks the components described in the assignment instructions.

Distinguished - Thoroughly describes how risk can be managed and comprehensively evaluates the risks in society. Effectively incorporates examples and concepts from the text and other scholarly sources.

Proficient - Describes how risk can be managed and evaluates the risks in society. Incorporates examples and concepts from the text and other scholarly sources. Minor details are missing from the description or evaluation.

Basic - Partially describes how risk can be managed and evaluates the risks in society. Incorporates some examples and concepts from the text or other scholarly sources. Relevant details are missing from the description and/or evaluation.

Below Expectations - Minimally describes how risk can be managed and/or evaluates the risks in society. Does not incorporate examples and concepts from the text or other scholarly sources. Significant details are missing from the description and/or the evaluation.

Non-Performance - The description of how risk can be managed and the evaluation of the risks in society are either nonexistent or lack the components described in the assignment instructions.

Distinguished - Thoroughly discusses the relationship between risk and the selected type of insurance and fully describes the risk management tools. The discussion and description are supported with scholarly sources.  

Proficient - Discusses the relationship between risk and the selected type of insurance and   describes the risk management tools. The discussion and description are supported with scholarly sources but minor details are missing.

Basic - Partially discusses the relationship between risk and the selected type of insurance and/or partially describes the risk management tools. The discussion and description are somewhat supported with scholarly sources but relevant details are missing.

Below Expectations - Minimally discusses the relationship between risk and the selected type of insurance and minimally describes the risk management tools. Does not support the discussion or description with scholarly sources and/or significant details are missing. 

Non-Performance - The discussion of the relationship between risk and the selected type of insurance and the description of the risk management tools are either non-existent or lack the components described in the assignment instructions.

Distinguished - Thoroughly and clearly discusses the legal principles of risk and the selected type of insurance. The discussion is fully supported by relevant examples and scholarly sources.

Proficient - Discusses the legal principles of risk and the selected type of insurance. The discussion is supported by examples and scholarly sources but minor details are missing or unclear.

Basic - Partially discusses the legal principles of risk and the selected type of insurance. The discussion is somewhat supported by examples and scholarly sources but relevant details are missing and/or unclear.

Below Expectations - Attempts to discuss the legal principles of risk and the selected type of insurance, but the discussion is not supported by relevant examples and scholarly sources and significant details are missing and/or unclear.

Non-Performance - The discussion about the legal principles of risk and the selected type of insurance is either nonexistent or lacks the components described in the assignment instructions.

Distinguished - Displays meticulous comprehension and organization of syntax and mechanics, such as spelling and grammar. Written work contains no errors, and is very easy to understand.

Proficient - Displays comprehension and organization of syntax and mechanics, such as spelling and grammar. Written work contains only a few minor errors, and is mostly easy to understand.

Basic - Displays basic comprehension of syntax and mechanics, such as spelling and grammar. Written work contains a few errors, which may slightly distract the reader.

Below Expectations - Fails to display basic comprehension of syntax or mechanics, such as spelling and grammar. Written work contains major errors, which distract the reader.

Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.

Distinguished - Accurately uses APA formatting consistently throughout the paper, title page, and reference page.

Proficient - Exhibits APA formatting throughout the paper. However, layout contains a few minor errors. 

Basic - Exhibits basic knowledge of APA formatting throughout the paper. However, layout does not meet all APA requirements.

Below Expectations - Fails to exhibit basic knowledge of APA formatting. There are frequent errors, making the layout difficult to distinguish as APA.

Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.

Distinguished - The length of the paper is equivalent to the required number of correctly formatted pages. 

Proficient - The length of the paper is nearly equivalent to the required number of correctly formatted pages. 

Basic - The length of the paper is equivalent to at least three quarters of the required number of correctly formatted pages.

Below Expectations - The length of the paper is equivalent to at least one half of the required number of correctly formatted pages.   

Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.

Distinguished - Uses more than the required number of scholarly sources, providing compelling evidence to support ideas. All sources on the reference page are used and cited correctly within the body of the assignment.

Proficient - Uses required number of scholarly sources to support ideas. All sources on the reference page are used and cited correctly within the body of the assignment.

Basic - Uses less than the required number of sources to support ideas. Some sources may not be scholarly. Most sources on the reference page are used within the body of the assignment. Citations may not be formatted correctly.

Below Expectations - Uses inadequate number of sources that provide little or no support for ideas. Sources used may not be scholarly. Most sources on the reference page are not used within the body of the assignment. Citations are not formatted correctly.

Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.