第3章 保险(Insurance)【国际工程实务英语】.docVIP

第三章 保险 (Insurance) 第一节 保险基本知识 (A Basic Knowledge of Insurance) 一、保险 (Insurance) ·从法学和经济学的角度看 in law or economics ·规避承受某种意外损失的风险 hedge against the risk of a contingent loss ·损失风险的公平转移 [ekwit?bl] [k?ntind??nt] equitable transfer of the risk of a loss ·保险人 an insurer 被保险人 an insured ·毁灭性损失 devastating loss [dev?steiti?] ·保险费率 insurance rate ·保险费 premium [pri:mi?m] ·承保范围，保险范围 insurance coverage ·独立的研究与实践领域 [diskri:t] a discrete field of study and practice 二、保险合同 (Insurance Contract) ·受益人 beneficiary [,benifi??ri] ·承保期，保险期 the period of coverage ·保险金额 the amount of coverage ·除外责任条款 exclusions [iksklu:??nz] 三、保险单 (Insurance Policy) [p?lisi] ·财务损失 financial loss ·履行合同承诺 fulfill a contractual undertaking ·由于公共责任或财产损失而对某家公司或某一个人采取法律行动。 Legal action is taken against a company or an individual on account of public liability or damage to property. ·保险中投保最多的一种，是针对火灾、故意破坏或盗窃等财产的意外事故险。 that=insurance One of the most widely used insurances is that of property against such contingencies as fire, vandalism or theft. [v?nd?liz?m] [θeft] ·承担某一大型建筑项目 undertake a large construction project ·面临重大的财产损失，甚至是破产 face a major financial loss, or even bankruptcy [b??kr?ptsi] ·建筑保单的措辞表达相互之间差异很大。 The construction policy wordings differ greatly from one another. ·这是法律强制性要求的。 [k?mp?ls?ri] It’s compulsory by law. 义务的，强制性的 ·汽车保险 motor insurance ·雇主责任保险 employer’s liability insurance ·公共责任保险 public liability insurance ·承保范围 the extent of cover [ikstent] ·爆发战争 the outbreak of war 四、保险种类 (Types of Insurance) （一）公共责任保险 (Public Liability Insurance) ·be held liable for sth. 对某事负有责任 be (legally) liable to do sth. （在法律上）有责任做某事 ·damages awarded against the insured 判决由被保险人承担的损失赔偿费 damages awarded to the insured 将损失赔偿费判给了被保险人 ·保险单对第三方的人身伤害（包括死亡，疾病，事故等）提供保障。 The policy protects against bodily injury to third parties including death, illness, accident, etc. ·必须保护被保险人使之免于因财产遭受损失或损坏而引起的责任。 The insured must be protected against liability ari