外贸函电保险摘要.pptVIP

? Human beings are subject to various unpredictable risks — risk of death or disability due to natural or accidental causes, risk of loss of or damage to one’s property, etc. Risk has the element of unpredictability, but losses can be mitigated through insurance. There are many types of insurance products available for life and non-life —property insurance, life insurance, liability insurance, bond insurance, to name just a few. Cargo insurance belongs to property insurance. Cargo insurance covers physical damage to or loss of your goods whilst in transit by land, sea and air and offers considerable opportunities and cost advantages if managed properly. It brings the potential loss of or damage to goods into cost and the insurer, on the basis of a premium received, undertakes to indemnify the insured against loss from certain risks or perils to which the cargo insured may be exposed. Cargo insurance has become a must in international trade. Without it, international trade can not be guaranteed. What is the purpose of insurance? house against fire. You can insure your car against accident/theft. nose against harm. life insurance. health insurance. You can effect a endowment insurance.养老保险 accident insurance. burglary and robbery insurance. 风险： risks, perils total loss 损失：losses particular average partial loss (单独海损） general average （共同海损） 险别：risks, perils, coverages 保险公司按照不同险别包括的风险所造成的损失和发生的费用承担赔偿责任，所以在保险业务中风险、损失和险别三者有着紧密的联系，为此，我们对保险公司所能承保的风险与损失的种类和内容必须有准确的理解。 In marine cargo transport insurance, risks fall into: 1. Perils of the Sea 海上