About the Author

Jyotsna Sethi, PhD (University of Delhi), is Reader at the Department of Commerce, Jesus and Mary College, New Delhi. Dr. Sethi has more than three decades of teaching experience. She has presented numerous research papers in national and international conferences. Nishwan Bhatia is Senior Faculty Member at the Department of Commerce, Jesus and Mary College, New Delhi. She has been a rank holder throughout her school and college days. She has 27 years of experience in teaching subjects such as Insurance, Business Management, Business Organisation, Business Law and Compensation Law.