¹Tiera M. Farrow Faculty Scholar and Associate Professor, University of Missouri – Kansas City School of Law

^*A version of this article was presented at the Fourth Annual Conference of the Asia Pacific Risk and Insurance Association. Research for this paper was supported in part by a Fulbright Fellowship. I am grateful for that support, as well as that from my host institution in China, Nankai University, and my home institution, University of Missouri – Kansas City School of Law, which granted me a research leave. I also wish to thank Harold Skipper, Jr., Jean W. Kwon, Minkang Gu, and Wei Zhang for reviewing drafts of this article.