《保险英语》复习资料
保险专业英语常用词汇
保险英语，保险词汇共享：acceptance policy 英文翻译：核保政策accounting period 英文翻译：结算期aggregate limit 英文翻译：累积限额aggregated loss 英文翻译：累积损失antiselection 英文翻译：逆选择ART (Alternative Risk Transfer)英文翻译：新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏4保险英语词汇翻译险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费risk of sweating and/or heating 受潮受热险5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。
保险专业英语常用词汇
保险专业英语常用词汇保险英语，保险词汇共享：acceptance policy 英文翻译：核保政策accounting period 英文翻译：结算期aggregate limit 英文翻译：累积限额aggregated loss 英文翻译：累积损失antiselection 英文翻译：逆选择ART (Alternative Risk Transfer)英文翻译：新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏4保险英语词汇翻译险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费risk of sweating and/or heating 受潮受热险5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。
保险专业英语常用词汇
保险英语,保险词汇共享： acceptance policy 英文翻译：核保政策 accounting period英文翻译：结算期 aggregatelimit 英文翻译：累积限额aggregated loss 英文翻译：累积损失 antiselection 英文翻译：逆选择ART AlternativeRisk Transfer 英文翻译： 新型风险转移 balance 所欠款项barrages 堰坝 captive pools自保组合 catastrophe risk巨灾风险 ceiding company 分出公司 cession limit 分保限额 claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination起讫 cover 承保 cover 责任额 deposit premium 预付保费destroyed 毁坏 earth caves土坏房屋 EPAevent limit 事4保险英语词汇翻译险种及险别 险种health insurance 疾病保险,健康保险sickness insurance 疾病保险 insuranceduring a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险 life insurance 人寿保险endowment insurance 养老保险 insuranceon last survivor 长寿保险 socialinsurance 社会保险 personal propertyinsurance 个人财产保险 insurance ofcontents 家庭财产保险 险别 All Risks一切险 risk of breakage 破碎险 risk ofclashing 碰损险 risk of rust 生锈险risk of hook damage 钩损险 risk ofcontamination tainting 污染险insurance against total loss only TLO 全损险 risk of deterioration 变质险 riskof packing breakage 包装破裂险 risk ofinherent vice 内在缺陷险 risk of normalloss natural loss 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险 insurance against war risk 战争险件限额 ex gratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保 fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full insurance value 足额保险价值 full liability 全部责任 Geophysics Institute 地球物理研究所 GNPI 总净保费收入 hailstorm 雹暴 heavy damage 严重破坏 hollow brick wall 空斗砖结构 hour clause 小时条款hurricane 飓风 individuallosses 单一损失insurability 可保性 insuredlosses 保险损失 intensityAir Transportation Cargo War Risk 航空运输战争险 overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion SRCC 罢工,暴动,民变险 insurance against extraneous risks, insurance against additional risks 附加险 risk of theft, pilferage and nondelivery TPND 盗窃提货不着险 risk of fresh and/of rain water damagewetting 淡水雨淋险 risk of leakage 渗漏险 risk of shortage in weight/quantity 短量险 risk of sweating and/or heating 受潮受热险 5保险英语翻译risk of badodourchange of flavour 恶味险,变味险 risk of mould 发霉险 on deck risk 舱面险 6保险英语翻译保险业词汇 Terms used in insurance industryaccident 意外事故险 actuarial method 精算法 Advance LossProfits ALOP 预期利润损失险,利损险Advance profit 预期利润 broker 经纪人Business Interruption Insurance BI 营业中断险 captive 自保公司 casualty 意外伤害险 catastrophe 巨灾险 ceding company烈度 layering 层次 lessexposed 损失可能性小 liability 责任 light damage 轻度破坏 line slips 分保条loading 附加费 lossoccurrence 损失发生 lossoccurring basis 损失发生基础 loss participation 分担损失 loss settlement 损失赔付 magnitude 震级 maliciousdamage 恶意损害 moderatedamage 中度破坏 multi-storybuilding 多层建建筑 MunichRe 慕尼黑再 net retainedlines 净自留额 net retainedlosses 损失净自赔额 noprofit commission 无纯益风险 non-proportionalreinsurance 非比例再保险notification 告知 object 标的 obligatory reinsurance固定分保 originaldeductibles 原始免赔额original rate 原始费率分出公司 claim 索赔 claim settlement 理赔 combined ratio 综合赔付率 Consequential Loss CL7保险英语翻译,保险专业词汇;后果损失Contractor's All Risks CAR 建筑工程一切险建工险 cover 保障 Delay in completion完工延误 EEI 电子设备险 engineeringinsurance 工程保险 Erection All RisksEAR 安装工程一切险安工险 excess of losscover 超额赔偿 EXL protection 超赔保障facultative business 临分保IBRNIncurred but not reported losses 已发生但未报的损失 IBRN reserveIBRN 储备金 indemnity period/limit 赔期/期限inflated claim 超额索赔 insurancecapacity 承保能力 8保险英语翻译insuredproperty 参保物业 Kobe 神户 Lloyd 劳合社 long-tail 长尾 Loss of profit 利损险Machinery Breakdown Insurance 机器损坏〕险,机损险 mail/sub-contractor 主/分承包商 maintenance 保证期 multiple claim多次重复索赔 non-life 非寿险 officer &director liability 雇主保险 outstandingpaid-up capital 已付资本 peak accelerator 峰值加速度 peril 危险 PICC Re 中保再 placement 安排 PML 可能最大损失 policyholder 保单持有者 pool 共保组合 portfolio entry 未满期责任的出帐 portfolio outgo 未满期责任的入帐 premium 保费previous losses 既往损失priority 分保自留额priority 自付责任 3保险英语词汇表proportionalreinsurance 比例再保险 rainstorm 雨暴 rating 费率 reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人 retention 自留额 retention areas 滞洪区 return period 重现期 revoke license 吊销营业执照 seaquake 海震claim reserve 未决索赔准备金 PC industryproperty & catastropheindustryperil 危险 policy 保单 9保险英语翻译pool 英语翻译：联营 possible maximum loss 英语翻译：可能的最大损失 premium 英语翻译：保费 primaryinsurance company 英语翻译：原保公司、主保险商 principal/employer 英语翻译：业主 professional 英语翻译：专业险 profit margin 英语翻译：利润边际 property 英语翻译：财产险 proportional cover 比例分保 punitive damage 惩罚性损害 rate 费率 reinsurer 分保人分保公司 reinsurer 再保人 reserve 准备金retention10自留 return period 巨灾间隔期 short-tail 短尾 solvency margin 赔偿能力 standing charges 维持费用 subject insured 风险标的 sum insured 保额 tarrif zone 险区 Third Party Liability TPL 第三者责任险 treaties business 合同分保 turnover 营业额 underwriting 承保 working expenses /cost 营业费用 writing 承保second event cover 第二事件承保 securitization 证券化seismic demage 震害 set-off 抵销 shear wall structure 剪力墙结构 single 险位超赔spread loss 分散风险 stop loss 赔付率超赔 storm surges 风暴潮susceptibility of goods to water 易受水浸性 tarrif 费率表 TG 拐点周期 tidal wave 海啸 topographic map 地形图tornado 龙卷风 total sum insured 总保额treaty-limits 合约限额 tube structure 筒体结构underwriting policy 承保政策 windstorm 风暴2保险英语词汇翻译hour clause 小时条款hurricane 飓风 individual losses 单一损失insurability 可保性 insuredlosses 保险损失 intensity 烈度 layering 层次 less exposed 损失可能性小liability 责任 light damage 轻度破坏 line slips 分保条loading 附加费 loss occurrence 损失发生 loss occurring basis 损失发生基础 loss participation 分担损失 loss settlement 损失赔付 magnitude 震级 malicious damage 恶意损害 moderate damage 中度破坏 multi-story building 多层建建筑 Munich Re 慕尼黑再 net retained lines 净自留额 net retained losses 损失净自赔额 no profit commission 无纯益风险 non-proportional reinsurance 非比例再保险notification 告知 object 标的 obligatory reinsurance 固定分保 original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险 PICC Re 中保再placement 安排 PML 可能最大损失 policyholder 保单持有者 pool 共保组合 portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐 premium 保费previous losses 既往损失priority 分保自留额priority 自付责任3保险词汇翻译proportional reinsurance 比例再保险rainstorm 雨暴 rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额 retention areas 滞洪区 return period重现期 revoke license 吊销营业执照 seaquake 海震second event cover 第二事件承保 securitization 证券化seismic demage 震害 set-off 抵销 shear wall structure 剪力墙结构 single 险位超赔spread loss 分散风险 stop loss 赔付率超赔 storm surges 风暴潮susceptibility of goods to water 易受水浸性 tarrif 费率表 TG 拐点周期 tidal wave 海啸 topographic map 地形图tornado 龙卷风 total sum insured 总保额treaty-limits 合约限额 tube structure 筒体结构underwriting policy 承保政策 windstorm 风暴。
保险英语
专业名词1、proposer投保人2、underwrite承保3、policyholder保单持有人4、tied agent固定代理人5、broker经纪人6、Proposal form投保单7、the terms and conditions 条款8、property insurance财险公司9、third-party liability第三者责任险/10、insurance cover保障范围10、under-insurance不足额保险12、endowment assurance资金投资式保险12、term assurance定期保险13、maturity benefit到期收益14、conversion option保单转换保险15、renewal option续保保险16、terminal illness option晚期疾病保险17、whole life assurance终身寿险18、unit-link policies投连险19、critical illness cover重疾险20、permanent health insurance长期健康险21Annuity养老金22、personal pension plan个人养老保险23、personal accident insurance个人意外伤害保险24、Personal liability insurance个人责任保险25、reserves储备金26、Excess绝对免赔额27additional payment额外赔付28、standard benefit标准赔偿金29、Partial cover部分保险30、total cover全部保险31、cover note暂保单32no-claim discount无索赔折扣34、um insured保险金额35fixed contribution固定保费36、compulsory accident insurance特定意外伤害险37、Claim-free record无索赔记录38、loss adjuster损失理算师38、issue a policy签发保单39、the risk标的/风险39、motor insurance机车险40、policy change保单变更40、cancellation退保41、field force现场人员42、tied agents固定代理43、commission佣金44、classes险种45、branch office代办事处46、distribution营销47、claim settlement理赔48、price-conscious价格意识49、deregulation撤销管制50、insurance premium保费51、insurance rate保险费率52、quotation报价53、peril风险事故54、extra premium额外保费55、annuity年金险56、private health insurance个人医疗险57、comprehensive insurance全保险/综合险58、mileage limitation59、state insurance 60、joint proposer共同投保人段落翻译1、China insurance circles are dealing with insurance business according to the Insurance Law of the People Republic of China. In accordance with the insurance law, the insurance companies can deal with both insurance and reinsurance business while reinsurance company is not allowed to transact the former.中国保险界都是根据《中华人民共和国个保险法》经营保险业务。
保险专业英语常用词汇
保险英语，保险词汇共享：acceptance policy 英文翻译：核保政策accounting period 英文翻译：结算期aggregate limit 英文翻译：累积限额aggregated loss 英文翻译：累积损失antiselection 英文翻译：逆选择ART (Alternative Risk Transfer)英文翻译：新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏4保险英语词汇翻译险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industry accident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI) 营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任3保险英语词汇表proportional reinsurance 比例再保险rainstorm 雨暴分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。
Unit 11 保险(Insurance)
N desire for sth, desire to do sth -Your desire coincides with ours.
4.
To insure/cover/sth with an insurance company against some kinds of risks for a certain-sum of money at premium rate -Please insure (cover) the contracted goods with China Pacific Insurance Company Ltd. Tsingtao Branch against all risks and war risk for 110% of invoice value.
general additional risks 一般附加险 special additional risks 特殊附加险
General Extra Risks一般附加险
1)T.P.N.D. Theft, Pilferage and Non-Delivery偷窃， 提货不着险 2)Fresh Water and Rain Damage Fresh and/or Rain Water Damage淡水雨淋险 3)Risk of Shortage短量险 4)Risk of Intermixture and Contamination Risks 混杂、玷污险 5)Risk of Leakage渗漏险 6)Risk of Clash and Breakage碰损、破碎险( 7)Risk of Odor串味险 8)Damage Caused by Sweating and Heating受 潮受热险 9)Hook Damage受潮受热险 10)Loss for Damage Caused by Breakage of Packing包装破裂险 11) Risk of Rust锈损险
保险英语常用词汇
保险英语常用词汇insure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商（指专保水险的保险商）保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人，受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件PICC (People’s Insuran ce Company of China) 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则insurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金（保险收入）insurance free of (from) particular average (FPA). 平安险（单独海损不赔）insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss)? 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TRND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员，货损管理员damage cargo list 货损单，残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss（XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average（GA）共同海损grace period 宽限期gross net premium income（GNPI）总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险，健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾（钩）损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金，IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定，货物检验，检查货物inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC，I.C.C.) 协会货物（保险）条款insurability 可保性insurance 保险，保险费，保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理，保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围，保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金（保险收入）,保险赔偿金，保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人，受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险，水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表（用于计算保险风险）multiple claim 多次（重复）索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe（NatCat）自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation） insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss（PML）可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先（免赔额)proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人（分保公司）、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值，获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。
保险英语解释、词汇汇总
保险英语解释、词汇汇总acceptance policy 英文翻译：核保政策accounting period 英文翻译：结算期aggregate limit 英文翻译：累积限额aggregated loss 英文翻译：累积损失antiselection 英文翻译：逆选择ART (Alternative Risk Transfer)英文翻译：新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任3保险英语词汇表proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区return period 重现期revoke license 吊销营业执照seaquake 海震second event cover 第二事件承保securitization 证券化seismic demage 震害set-off 抵销shear wall structure 剪力墙结构single 险位超赔spread loss 分散风险stop loss 赔付率超赔storm surges 风暴潮susceptibility of goods to water 易受水浸性tarrif 费率表TG 拐点周期tidal wave 海啸topographic map 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴2保险英语词汇翻译hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任3保险词汇翻译proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区return period 重现期revoke license 吊销营业执照seaquake 海震second event cover 第二事件承保securitization 证券化seismic demage 震害set-off 抵销shear wall structure 剪力墙结构single 险位超赔spread loss 分散风险stop loss 赔付率超赔storm surges 风暴潮susceptibility of goods to water 易受水浸性tarrif 费率表TG 拐点周期tidal wave 海啸topographic map 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴4保险英语词汇翻译险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industry accident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI) 营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。
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更多资料请访问.(.....)《保险英语》复习保险英语复习概要（不保证一定考，也不保证不考）保险利益原则----- principle of insurable interest损失补偿原则----- principle of indemnity代位求偿原则----- principle of subrogation最大诚信原则----- principle of utmost good faith近因原则----- principle of proximity--------------------------------------------------------------------------- 风险分担----- risk-sharing/risk-pooling分散风险----- spreading risk保险人----- insurer/ underwriter投保人-----insurance applicant被保险人-----Insured受益人----- beneficiary保险代理人-----insurance agent保险经纪人-----insurance broker保险公估人-----insurance surveyor/ adjuster/appraiser保险条款----- insurance clause/ treatment不可抗辩条款----- incontestable clause保费----- premium保险标的----- subject –matter of insurance保险价值----- insured value// （1）保险索赔----- claim告知----- representation声明----- declaration误告----- misrepresentation死亡表----- life table/ mortality tableRate-making -----费力厘定Occupancy ----- 用途Construction ----- 构造Protection ----- 防护Location ----- 位置大数法则----- law of large numbers效应理论----- utility theory毛保费----- gross premium纯保费----- net premium附加保费----- loading premium均衡保费----- level premium趸缴保费----- lump sum premium/single premium准备金----- reserve现金价值----- cash value附加条款----- rider保险期间----- insurance period保额----- amount of insurance保险索赔----- claim保险责任（受保范围）------ coverage除外责任------ exclusion保证----- warranty隐瞒----- concealment要约----- offer反要约----- counteroffer保单不丧失权益-----nonforfeiture benefits延期定期寿险----- deferred term life insurance两全保险----- endowment life insurance万能寿险----- universal life insurance分红寿险-----participating life insurance红利---- dividend养老金----- pension联合人寿-----joint life投连险----- unit-linked life insurance定期寿险----- term life insurance终身寿险----- whole life insurance变额万能寿险----- variable universal life insurance年金寿险----- annuity life insurance财产保险----- Property & casualty insurance巨灾保险----- catastrophe insurance /Act of God insurance重大疾病保险-----critical illness/dreadful illness insurance意外保险----- accidental insurance重复保险------double insurance投保单----- application form/proposal form保单----- insurance policy暂保单----- binding slip/cover note批单------ endorsement保险凭证（小保单）-----certificate of insurance保单持有人----- policyholder/policyowner再保险-----Reinsurance分出公司----- ceding company分入公司------ceded company国有保险公司-----state-owned insurance company股份制保险公司---- stock-based insurance company自保公司----- captive company相互保险公司----- mutual company合作保险公司------ cooperative company互助保险公司------ fraternal company------------------------------------------------------------------------------------------------------- Risk -----a measure of possible variation of economic outcomes.Hazard ----- a condition that increases the chance of loss due to a perilPeril ----- risk event or risk incident which refers to a possible cause of loss.Exposure to risk ----- a situation created whenever an act gives rise to possible gain orloss that cannot be predictedCost of risk ----- the cost imposed upon organizations because of the presenceof risk.Asymmetric information----- one party of insurance contract possesses moreknowledge than the other.Moral Hazard----- a potential cost of insurance in which the presence ofinsurance increases the tendency for losses to occur through careless,irresponsible, or perhaps illegal behavior.Adverse selection----- a potential effect of insurance wherebyworse-than-average risks are likely to buy insurance------------------------------------------------------------------------------------------------------- 1.财产保险的定义有狭义和广义之分。
Property insurance can refer to two kinds of definition, viz. property & casualty insurance in a narrow sense and broad sense.2.按保险价值分类，财产保险可分为定值保险和不定值保险。
In conformity to the insurance value, property insurance can be classified into fixed value and unfixed value insurance.3.自然灾害包括雷、电、暴风雨、冰雹、洪水、潮浪、海啸、大风暴、台风、旋风、龙卷风、飓风、山崩、雪崩、地陷、地震、地下火，以及火山喷发等等。
这些都可能对财产造成巨大损毁或人身伤亡。
Natural disasters comprise thundering, lightning, rainstorm, hail, floods, tidal wave Tsunami, Tempest, typhoon, cyclone, tornado, hurricane，rockslide, avalanche, subsidence of ground, earthquake , subterranean fire, volcanic eruption and so forth, all of which may give rise to innumerable cases of loss to properties or death or personal injury.4.保险的基本原理是分散风险。
The basic tenet of insurance is spreading of risk.5.同一利益投保了两张或多张保单称为重复保险。
Double insurance means that teo or more policies are effected on the same interest.6.保险的重要作用对社会大众来说是显而易见的。
The important role of insurance is apparent to the social public.7.俗话说，天有不测风云，人有旦夕祸福。