《国际工程英语》课件Insurance.ppt

Insurance I Insurance 1. Definition It is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss. 2. Related Terms ⑴ Insurer 保险人/ 承保人 a company selling the insurance ⑵ Insured 被保险人/ 受保人 (俗称“保户”) the person or entity buying the insurance ⑶ Assignee 投保人/ 要保人 (并负有缴付保险费义务的人) paying ⑷ Beneficiary 受益人/ 保险金受领人 (即享有保险赔偿与保险请求权的人) accepting ⑸ Insurance agent 保险代理人 指代保险人从事保险业务而向被代理的保险人收取佣金的人。 ⑹ Insurance broker 保险经纪人 为买卖双方介绍以获取佣金的中间人，俗称“掮客”，是保险购买方的代理人。 ⑺ Premium 保险费 to determine the amount to be charge for a certain amount of insurance coverage ⑻ Insurance policy 保险单 It is a form of guarantee or coverage taken out by either an individual or a company in order to cover financial loss. ⑼ Insurance Contract 保险合同 ① the parties (the insurer, the insured, the beneficiaries) ② the premium ③ the period of coverage 保险期 ④ the particular loss event covered 特定保险损失项目 ⑤ the amount of coverage (i.e. the amount to be paid to the insured or beneficiary in the event of loss) 保险金额 ⑥ exclusions (events not covered) 除外责任条款，即不保事项 II Types of Insurance Insurance against Injury to Persons 人身伤害保险 Insurance against Damage to Property 财产损害保险 1. Contractor’s All Risks Insurance (CAR 承包商全险保险) ⑴ CAR offers comprehensive and adequate protection; in respect of the project, equipment or materials; the third party claims (property damage or bodily injury ) ⑵ Inclusion ① natural disasters e.g. fire, lightning, explosion, flood, snow, earthquake ② contingencies e.g. theft, bad workmanship, negligence, human error (人为过失), etc. ⑶ Exclusion due to nuclear accidents, consequential loss (间接损失), faulty design, war, etc. 2. Erection All Risks Insurance (EAR 安装全险保险) ⑴ EAR developed from CAR the erection of machinery and structures; involving a little civil engineering work, e.g. foundations , machine beds, grouting ⑵ Two Sections the