there is a major called risk management and insurance. If I remember correctly, UGA does offer this specailization. better to double check though. Well, B-school is pretty competitive and you do need to figure out why you want a Phd in business. The Phd life is boring, tons of papers and research. BTW, you must have strong math background to deal with research becasue many b-school research are on the quantitative side
thank you for your attention. could you tell me what is different beteween the Amreican business school and the European business school? are the european business school more easier to apply for scholarship than those in the USA?