jung00615 發問時間: 社會與文化語言 · 1 0 年前

商業英文翻譯(英翻中),請英文高手幫幫忙!

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Insuring against risks

Insurance is protection against possible financial losses. Individuals, companies and organizations can make regular payments, called premiums, to an insurance company which accepts the risk (or possibility) of loss. When you buy insurance you make a contract, called a policy, with the insurance company – also known as the insurer. The contract promises that the company will pay you if you suffer loss of or damage to property, or sickness or personal injury.

There are various losses which people or businesses can insure against:

Theft – someone stealing their goods or possessions

damage from fire or other natural disasters such as floods, earthquakes and hurricanes.

If property is stolen or damages, the person or company who is insured makes a claim – requests compensation – from the insurer. The insurer will then indemnify or compensate them: that is pay them an amount of money equivalent to the loss. As the number of natural disasters seems to be increasing, so are the claims for damage to property, and this will lead to higher insurance premiums.

In the past, many people buying insurance used independent brokers – people who searched for insurance at the lowest cost, or agents – people working for the insurance company. But like insurance retail banking, the insurance industry has changed in recent years. A lot of insurance is now sold direct, by telephone or on the internet. This can be cheaper than insurance bought over the counter from a broker or an agent.

2 個解答

評分
  • 野鶴
    Lv 5
    1 0 年前
    最佳解答

    為防範風險而投保保險

    保險是為了防範可能發生的財務損失而做的保護措施.

    個人,公司或是組織按時支付給負責承擔損失的風險與可能性的保險公司的費用,則稱之為保險費.當你跟保險公司或稱保險業者購買保險,就如同你簽下一份合約,這也就是所謂的保單.這份合約的作用在保證該保險公司在你遭遇財產的損失或危害,生病或是傷害時,將會支付你賠償經額.公司或是個人所投保防範的損失種類很多.

    失竊:遭受某些人偷取商品或財產.

    遭受火災或是其他諸如水災,地震及龍捲風等天然災害所造成的損害.

    個人或是公司如有發生財產遭竊或是損害,可以對此向保險業者提出賠償要求. 保險公司將會補償或是賠償他們:也就是付給他們ㄧ筆相當於損失的金額.因為這些為數有限的天然災害似乎有增加的情況,其帶來相對的財產損失求償增加也使得保險費用跟著提高.

    以往許多人購買保險會找自營的掮客(經紀人)-專門尋找最低成本保險的人,或是透過保險代理人--在保險公司上班的人.但是就像銀行承銷保險零售業務ㄧ樣,最近幾年的保險產業已經改變了.許多的保險目前都是透過電話或是網頁的方式直接銷售.這種方式所購買的保險相較於透過經紀人或是代理人在櫃檯承購的方式要來的便宜很多.

    參考資料: myself
  • 10 年前

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