保险业常用词汇中英文对照

保险术语中英⽂对照 引导语：保险(insurance)是指投保⼈根据合同约定，向保险⼈⽀付保险费，保险⼈对于合同约定的可能发⽣的事故因其发⽣所造成的.财产损失承担赔偿保险⾦责任。

以下是百分⽹店铺分享给⼤家的保险术语中英⽂对照，欢迎阅读! abandonment clause 委付条款 act of god 不可抗⼒ actuary 保险精算师 all-risks policy⼀切险保单 assignment clause 转让条款 average adjuster 海损理算⼈ average clause 共同海损分担条款 average 海损、海损分摊 branch of insurance 保险类别 cargo damage survey 货损检验 cargo insurance 货物保险 certificate of insurance 保险证明书 claim 索赔 claim assessor 索赔⼈ claim 索赔 compulsory insurance 强制保险 coverage 保险总额 damage certificate 损坏证明书 damage claim 损坏索赔 damage 损坏赔偿⾦ deposit premium 预付保险费 endorsement 签注 endowment policy ⼈寿定期保险单 expiration of policy 保险单满期 faa ( free of all average) 全损赔偿 fire insurance ⽕险 fpa ( free of particular average) 单独海损不赔 free of average 全损赔偿 general average 共同海损 general policy condition 保险单⼀般规定 indemnity 赔款 indemnity 损害赔偿 in-full premium 全部保险费 initial premium 初期保险费 insurance broker 保险经纪⼈ insurance company 保险公司 insurance policy 保险单 insurance premium 保险费 insured, assured 被保险⼈ insurer, underwriter 保险⼈;保险商 jettison 投弃。

保险术语保险（Insurance）从法律角度来看，保险是保险人和投保人双方的合同安排，保险人同意赔偿损失或给付保险金给被保险人或收益人，投保人通过购买保险单位把风险转移给保险人。

保险法（Law of Insurance）调整保险活动中保险人与投保人、被保险人以及收益人之间的法律关系的重要民商事法律，是国家对保险企业、保险市场实施监督管理的法律。

保险法具体可分为以下四种：（1）保险契约法，也叫保险合同法，是构成保险法的核心内容；（2）保险业法，又叫保险业监督法，是国家对保险业管理、监督的法律规范；（3）保险特别法，是相对于保险合同法而言的，具体是指保险合同法以外，规范于民商法中特殊保险关系的法律和规范，如海商法中的海上保险法；（4）社会保险法，是国家就社会保障所颁发的法令总称。

我国1995年6约30日通过的《保险法》，是建国以来的第一部保险基本法，采用了国际上一些国家和地区集保险业法、保险合同法为一体的立法体系，形成了一部较为完整、系统的保险法律。

我国《保险法》共8章，分别为总则、保险合同、保险公司、保险经营规则、保险业的监督管理、保险代理人和保险经济人、法律责任和附则，共计152条。

保险公司（Insurance Company）指经政府有关当局批准，依照法律要求设立的从事经营商业保险业务的法人。

通常意义上来讲，保险公司就是保险人或承保人。

保险公司经营保险业务，与投保人订立保险合同，收取保险费，组织保险基金，并在保险事故发生或保险期限届满后，对被保险人赔偿损失或给付保险金。

保险合同（Insurance Contract）指投保人支付规定的保险费，保险人对承保标的因保险事故所造成的损失，在保险金额范围内承担赔偿责任，或者在合同约定期限届满时，承担给付保险金义务的协议。

保险单（Policy）保险人与被保险人顶立保险合同的正式书面证明。

保险单上规定的有关保险人与被保险人的权利、义务及其他保险事项的条文。

保险专业英语常用词汇————————————————————————————————作者: ————————————————————————————————日期：保险英语,保险词汇共享: a ｃcept ａnce p ｏli ｃy 英文翻译：核保政策 acc ｏu ｎting p ｅr ｉo ｄ 英文翻译：结算期 ﻫagg ｒe ｇａte li ｍit 英文翻译：累积限额 ａggregated ｌoss 英文翻译：累积损失 an ｔｉｓele ｃt ｉｏn 英文翻译:逆选择ﻫART (Ａlterna ｔive R ｉｓk Tran ｓｆer)英文翻译: 新型风险转移ｂa ｌance 所欠款项 ﻫbarra ｇｅs 堰坝 ﻫca ｐtiv ｅ p ｏol ｓ 自保组合ﻫcatastr ｏphe ri ｓｋ 巨灾风险ｃｅidi ｎg compa ｎy 分出公司 ﻫcess ｉon lim ｉt 分保限额ｃla ｉm-p ｒo ｎｅ 容易出险 ﻫc ｌaimsassi ｓtance 理赔协助clean cut 结清方式ｃｏi ｎsuran ｃｅ 共保comme ｎcement and ｔerm ｉna ｔion起讫co ｖｅr 承保ｃover 责任额 ｄｅposit prem ｉｕｍ 预付保费 ﻫde ｓtroye ｄ 毁坏 ﻫea ｒth caves 土坏房屋 ﻫE ＰA ﻫｅｖｅnt lim ｉt 事件限额 ex ｇrat ｉa ｐaym ｅn ｔs 通融赔款 exces ｓ l ｏss 超额赔款 ﻫｅｘｃｌusio ｎ 除外责任 e ｘpose ｄ areas 风险承受区域 ﻫfac ｕl ｔat ｉve rein ｓｕrance 临时分保 ﻫfa ｕlt zon ｅ 断层区f ｉnite risk 有限制的风险 flash floods 骤发洪水 ﻫｆloo ｄing of rivers 洪水泛滥 ﻫfra ｍe str ｕｃt ｕre 框架结构full co ｖerag ｅ 全额承保 ﻫf ｕｌl insur ａnce ｖalue 足额保险价值 f ｕll lia ｂility 全部责任 ﻫGeophy ｓi ｃs Ins ｔit ｕte 地球物理研究所GNPI 总净保费收入hails ｔo ｒm 雹暴 ﻫheavy da ｍａge 严重破坏 4保险英语词汇翻译险种及险别险种 ﻫhe ａｌt ｈ insu ｒanc ｅ 疾病保险，健康保险 s ｉc ｋnes ｓ ｉnsur ａnc ｅ 疾病保险ｉnsur ａn ｃｅ ｄｕr ｉn ｇ a pe ｒiod of ｉlln ｅss 疾病保险in ｓuranc ｅ fo ｒ medic ａl ca ｒe 医疗保险 ＂ｍａｊｏr medi ｃal ＂ i ｎsu ｒanc ｅ polic ｙ 巨额医药费保险 ﻫlife in ｓｕr ａｎｃe 人寿保险 ﻫｅｎdo ｗm ｅｎt ｉnsu ｒａnce 养老保险insur ａnce ｏn ｌａs ｔ ｓur ｖivor 长寿保险 ﻫs ｏc ｉａl insurance 社会保险 ﻫｐers ｏn ａl ｐro ｐert ｙ i ｎsurance 个人财产保险 ﻫｉnsuran ｃe of contents 家庭财产保险 ﻫ险别 ﻫFree fr ｏm Par ｔi ｃula ｒ Aver ａge(Ｆ.Ｐ.A.) 平安险 ﻫW ｉth P ａrti ｃula ｒ Averag ｅ (Ｗ.P.A.) 水渍险 ﻫAll Ｒisk ｓ 一切险 risk of ｂr ｅaka ｇe 破碎险 risk o ｆ clashi ｎg 碰损险 ﻫr ｉsk of ｒust 生锈险 ris ｋ of ho ｏk dama ｇe 钩损险 risk o ｆ ｃontam ｉna ｔio ｎ （ta ｉn ｔi ｎg ） 污染险 ﻫｉns ｕｒa ｎce ａg ａi ｎst total ｌoss only (TLO) 全损险 r ｉsk of dete ｒioratio ｎ 变质险 ri ｓk of packing b ｒｅakag ｅ 包装破裂险 ﻫrisk ｏf i ｎｈerent vice 内在缺陷险 ﻫrisk of nor ｍal loss (ｎat ｕｒａl loss ） 途耗或自然损耗险ris ｋ of ｓpon ｔaneous comb ｕｓｔｉo ｎ 自然险 r ｉsk of cont ｉngent ｉｍport dut ｙ 进口关税险 ﻫinsuran ｃe a ｇain ｓｔ war ri ｓk 战争险 Ａir Tr ａn ｓｐorta ｔion Car ｇｏ War Risk 航空运输战争险over ｌand T ｒanspor ｔa ｔion Insurance War Risk 陆上运输战争险 i ｎsu ｒa ｎce ag ａｉnst s ｔri ｋe, riot ａnd c ｉv ｉl c ｏｍｍotion （SRCC) 罢工，暴动，民变险 ﻫｉｎsura ｎce ag ａi ｎｓt ext ｒa ｎe ｏｕs ri ｓk ｓ, insura ｎc ｅ ag ａinst a ｄｄｉtio ｎａｌ ｒisks 附加险 ri ｓk of t ｈe ｆt, p ｉｌferage a ｎd ｎondeli ｖery （TP ＮＤ) 盗窃提货不着险 ﻫrisk of ｆｒesh and/o ｆ rain w ａter da ｍag ｅ(w ｅt ｔing) 淡水雨淋险 ﻫr ｉsk of le ａｋag ｅ 渗漏险 ﻫｒｉsk ｏf ｓhortag ｅ in wei ｇht/q ｕa ｎtity 短量险 ｒis ｋ o ｆ sw ｅａting ａn ｄ／ｏr heat ｉng 受潮受热险holl ｏw b ｒｉck w ａl ｌ 空斗砖结构 hou ｒ clause 小时条款 ﻫhurric ａｎe飓风 ﻫi ｎdividual los ｓes 单一损失 ｉnsu ｒａbility 可保性ins ｕｒe ｄ losses 保险损失i ｎｔｅnsit ｙ 烈度layer ｉng 层次les ｓ exposed 损失可能性小liabilit ｙ 责任 ﻫl ｉght da ｍage 轻度破坏 ﻫｌｉne ｓl ｉps 分保条lo ａding 附加费 lo ｓs o ｃcur ｒen ｃe 损失发生 ﻫloss ｏccur ｒｉn ｇ ｂas ｉs 损失发生基础 lo ｓｓ ｐarticipation 分担损失 ﻫl ｏｓs sett ｌe ｍｅnt 损失赔付mag ｎitude 震级 ﻫmaliciou ｓ da ｍage 恶意损害 ﻫｍodera ｔe damage 中度破坏m ｕlti-story b ｕildi ｎｇ 多层建建筑 Ｍuni ｃh Ｒe 慕尼黑再n ｅt retained lines 净自留额n ｅt ｒetained l ｏsse ｓ 损失净自赔额 ﻫn ｏ ｐrofi ｔ commiss ｉon 无纯益风险 ﻫnon －ｐro ｐｏrt ｉon ａl reinｓｕrance 非比例再保险notific ａtion 告知obje ｃt 标的 obligatory re ｉnsurance 固定分保 ﻫorigin ａｌ deductib ｌes 原始免赔额 ﻫｏriginal ｒa ｔe 原始费率 ﻫｐaid-up cap ｉｔａl 已付资本ｐeak acc ｅlerator 峰值加速度 ﻫｐeril 危险PI ＣC Re 中保再placeme ｎt 安排PM Ｌ 可能最大损失 ﻫpo ｌi ｃyho ｌd ｅr 保单持有者pool 共保组合 port ｆolio ｅnt ｒy 未满期责任的出帐 portfolio ｏut ｇo 未满期责任的入帐 ﻫpremium 保费 ﻫpr ｅvious ｌosses既往损失priority 分保自留额 5保险英语翻译ﻫri ｓk of bad odou ｒ(c ｈange ｏｆflavou ｒ) 恶味险,变味险 ﻫris ｋ ｏf ｍｏｕｌd 发霉险 ﻫo ｎ ｄeck r ｉｓk 舱面险 ﻫ６保险英语翻译 保险业词汇 ﻫTer ｍs ｕse ｄ in ｉｎｓur ａnc ｅ ｉndustr ｙﻫac ｃident 意外事故险 a ｃtua ｒi ａｌ met ｈo ｄ 精算法 ﻫAdvance Ｌｏss Pr ｏf ｉｔｓ （ALO Ｐ)ﻫ预期利润损失险，利损险 Advance profit 预期利润 ﻫbroker ﻫ经纪人 Ｂusin ｅss Interrupti ｏn Insu ｒanc ｅ (BI)ﻫ营业中断险ｃａptiv ｅﻫ自保公司 ﻫｃa ｓu ａl ｔy ﻫ意外伤害险 c ａtas ｔrophe巨灾险 ced ｉng com ｐa ｎｙﻫ分出公司 cla ｉm ﻫ索赔 ﻫｃｌａim set ｔｌem ｅn ｔ 理赔 combined r ａti ｏ 综合赔付率 ﻫConsequen ｔi ａｌ Loss (CL) 7保险英语翻译,保险专业词汇。

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。

保险常用英文词汇
导语：保险是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的商业保险行为。

下面是YJBYS 小编收集整理的有关保险的英语词汇，欢迎参考!
insurance company 保险GS
insurance policy 保险单
insurance premium 保险费
insured, assured 被保险人
insurer, underwriter 保险人;保险商
indemnity 赔款
indemnity 损害赔偿
all-risks policy 一切险保单
assignment clause 转让条款
average adjuster 海损理算人
abandonment clause 委付条款
act of god 不可抗力
actuary 保险精算师
average clause 共同海损分担条款
average 海损、海损分摊
branch of insurance 保险类别
cargo damage survey 货损检验
cargo insurance 货物保险
certificate of insurance 保险证明书。

常用保险术语保险费率 premium rate单位保险金额应该收取的保险费。

损失 loss非故意的、非预期的和非计划的经济价值的减少或灭失。

通常分为直接损失和间接损失。

损失程度 loss severity保险标的可能遭受的损失的严重程度。

直接损失 direct loss由风险事故导致的财产本身的损失。

间接损失 indirect loss由直接损失引起的额外费用损失、收入损失和责任损失等无形损失。

保险 insurance投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。

财产保险 property insurance以财产及其有关利益为保险标的的保险。

企业财产保险 commercial property insurance以单位、团体所有或占有的在指定地点的财产及其有关利益为保险标的的财产保险。

营业中断保险 business interruption insurance以单位因停产、停业或经营受影响而面临的预期利润的减少及必要的费用支出为保险标的的财产保险。

机器损坏保险 machinery breakdown insurance以各类已安装完毕并投入运行的机器为保险标的财产保险。

货物运输保险 cargo insurance以运输途中的货物为保险标的保险。

海上货物运输保险 ocean marine cargo insurance以通过海上运输方式运输的货物作为保险标的的保险。

陆上货物运输保险 inland transit insurance以通过陆上运输方式运输的货物为保险标的的保险。

航空货物运输保险 air cargo insurance以通过航空运输方式运输的货物为保险标的的保险。

工程保险 engineering insurance;project insurance以工程项目中的财产及其赔偿责任为保险标的的保险。

常用保险术语(中英对照版本)航空货物运输保险 air cargo insurance以通过航空运输方式运输的货物为保险标的的保险。

工程保险 engineering insurance;project insurance以工程项目中的财产及其赔偿责任为保险标的的保险。

建筑工程保险 construction all risks insurance以在建工程的主体在整个工程建设期内，发生的与工程相关的物质损失、费用损失和赔偿责任为保险标的的工程保险。

安装工程保险 erection all risks insurance以各种机器设备在安装、调试期间内，发生的与机器设备相关的物质损失、费用损失和赔偿责任为保险标的的工程保险。

责任保险 liability insurance以被保险人对第三者依法应承担的赔偿责任为保险标的的保险。

公众责任保险 public liability insurance以被保险人在约定的地点范围内进行生产、经营或其他活动时，对因发生意外事故造成第三者人身伤亡或财产损失的赔偿责任为保险标的的保险。

雇主责任保险 employer's liability insurance以被保险人对其所雇佣的员工在受雇期间从事相关工作时因意外事故或患职业病导致伤残、死亡或其他损失的赔偿责任为保险标的的保险。

产品责任保险 product liability insurance以被保险人所生产、出售、加工、经销和弃置产品或商品，或被保险人完成工作或操作，在承保区域内造成事故，导致使用、消费或操作该产品或商品的人或其他人的人身伤亡或财产损失的赔偿责任为保险标的的保险。

保险责任 coverage保险合同中约定的，保险事故发生后应由保险人承担的赔偿或给付保险金的责任。

主险/基本险 main coverage可单独投保的保险产品。

附加险 rider不可单独投保而必须附加于主险或基本险，用来补充主险的保险范围的保险产品。

本文部分内容来自网络整理，本司不为其真实性负责，如有异议或侵权请及时联系，本司将立即删除！== 本文为word格式，下载后可方便编辑和修改！ ==保险词汇中英对照篇一：保险领域行业词汇中英对照信用合作社=credit union精神上痛苦=pain & suffering保險費交付方式=premium mode到達年齡=attained age公共意外責任保險=liability insurance, public公共意外責任保險=public liability insurance專門職業責任保險=professional liability insurance不保項目=exclusion一次給付死亡理賠金=lump sum death benefit保證保險=bond投保證明=certificate of participation利率敏感型終身壽險=interest-sensitive whole life平準保險費=level premium比率溢額再保險=quota surplus reinsurance不適航=unseaworthiness責任綜合保險=liability insurance, comprehensive general估價=appraisal其他保險條款=other insurance clause傢俱衣李保險=contents insurance傢俱衣李保險=household contents insurance標準條款=standard insurance contract provision標準條款=standard provisions相互保險公司=mutual company相互保險公司=mutual insurance company客戶關係管理=customer relationship management（CRM）信用人壽保險=credit life insurance信用人壽保險=creditor life insurance信用人壽保險=insurance, credit life信用人壽保險=life insurance, credit投資組合=investment portfolio投資組合=portfolio保險索賠=insurance claim保單紅利=policy dividend保單紅利=policyholder dividend重要員工=key employee（key person）現金餘額計畫=cash balance plan現值化=capitalization公證報告=survey report復效=reinstatement復效=revival提前給付人壽保險=acceleration life insurance時效=statute of limitation終身年金保險=life income policy要保書=proposal要保書=application承租人保險=renters insurance保單質押貸款=loan on policy保單質押貸款=policy loan即期年金=annuity, immediate即期年金=immediate annuity生死合險=endowment生死合險=endowment assurance生死合險=endowment insurance人壽保險被保險人=life insured曆年制已發生賠款=calendar year accounting incurred losses 履約保證保險=bond, performance履約保證保險=performance bond終身人壽保險=whole life insurance保險單紅利選擇權=participating policy dividend option分進再保險=reinsurance assumed洪水險承保約定=flood coverage保險單面值=face value of the policy縱火=arson保單現金價值滅失日=date of exhaust, exact保單現金價值滅失日=exact date of exhaust危險自留=risk retention相互保險社=mutual insurance association附加高額醫療保險=supplemental major medical insurance 保險證=certificate of insurance保險證=certificate, insurance事故發生基礎承保式=occurrence form財產保險=property insurance長期失能=long-term disability法定年齡=legal age公認財務顧問師=Chartered Financial Consultant（ChFC）固定所得與本金保單=income and principal policy保單持有人=policyholder保全=conservation團體人壽保險=life insurance, group每日住院給付=daily hospital benefit告知=representations告知=disclosure現值因子=present value factor索賠=claim索賠=claims made要保人=applicant要保人=applicant for insurance要保人=proposer營建工程保證保險=construction bond逆仲介=disintermediation。

保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insurance industry保险业务结构business structures保险业主体bodies in Insurance Industry被保险人insured 理赔claim settlement承保利润微薄underwriting profit is slight承保能力insurance capacity承保业务underwriting operation未决赔款储备金reserve IBRN大数法则Law of Large Numbers 营业额turnover市场缺陷market imperfections 社会保险social insurance 个人代理人personal agent银行保险bank insurance直销straight pin佣金brokerage手续费commission charges再保险reinsurance2、财产保险财产保险property insurance 长尾long－tail 长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance3、寿险词汇变额寿险variable life insurance 长寿保险insurance on last survivor 定期寿险term insurance 合同储蓄机构contractual saving institutions 红利dividend疾病保险sickness insurance 简易险industrial insurance 健康保险health insurance 巨额医药费保险major medical" insurance policy 可变保费寿险flexible —premium life insurance 利差损interest spread risk 利率敏感型产品interest—sensitive whole life 赔期/期限indemnity period/limit 普通寿险ordinary life insurance 人寿保险life insurance 预定利率市场化Market-based Assumed Interest Rate团险group insurance 限期缴费终身寿险limited —payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care 医疗费用保险medical expense insurance 终身寿险whole life insurance 准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险financial planning oriented insurance投资连结寿险unit —linked life insurance4、保险偿付能力风险资本要求risk —based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System财务分析跟踪系统Financial Analysis Tracking System偿付能力Solvency 偿付能力不足insolvent 认可资产admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management 保险法insurance law保险资产管理公司insurance asset management company 中国人保集团People's Insurance Company of China（简称PICC）中国人保资产管理公司PICC Asset Management Company Limited 慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH （简称MEAG ）中国保监会China Insurance Regulatory Commission （简称CIRC ）保险投资“新政”innovation policies in insurance investment 可投资资产investable asset 投资公司法案Investment Company Act2、委托受托关系委托人client 受托人trustee 委托管理mandate 绝对收益absolute return 相对收益relative return3、组合管理大类资产配置assets allocation 战略资产配置Strategic Assets Allocation （简称SAA ）战术资产配置Tactic Assets Allocation （简称TAA ）流动性管理liquidity management 资产负债管理Asset-Liability Management （简称ALM ）久期匹配duration matching 现金流匹配cash flow matching 一般账户general account独立账户separate account4、类别投资固定收益投资fixed -income investment 持有到期类资产held-to-maturity asset 交易类资产trading asset 可供出售类资产asset available for sale 股票投资equity investment 基金投资fund investment 另类投资alternative investment 境外投资overseas investment 基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment 不动产投资real estate investment利率互换Interest Rate Swap （简称IRS）均值一方差分析the mean-variance method5、第三方业务财富管理wealth management第三方投资管理the third-party asset management企业年金occupational annuity养老金pension集合投资产品collective investment fund。

保险业英文术语
保险业的英文术语是Insurance industry。

以下是一些保险业常见的英文术语：
1.Policy：保险单，它规定了保险的条款和条件，以及保险人和被保险人之
间的权利和义务。

2.Premium：保险费，是被保险人为获得保险保障而支付的费用。

3.Claim：索赔，是指被保险人因保险事故而产生的损失，并向保险公司提
出的索赔要求。

4.Underwriter：承保人，是保险公司中负责评估和批准保险申请的专业人
员。

5.Agent：保险代理人，是代表保险公司销售保险产品和服务的人。

6.Broker：保险经纪人，是代表客户与保险公司协商保险计划的人。

7.Benefit：保险金，是指保险公司根据保险合同向被保险人或受益人支付的
赔偿或年金。

8.Policyholder：保险单持有人，是指拥有保险单并支付保险费的人。

9.Insured：被保险人，是指根据保险合同受到保障并享有保险金的人。

10.Agent Commission：代理佣金，是保险公司向保险代理人或经纪人支付
的报酬。

保险基术语中英对照【A 】Abandonment 见"委付" / Actual Total Loss 见"实际全损" / All Risks 见"一切险" Annuities Insurance 见"年金保险" / Applicant 见"投保人" / Application 见" 投保单" Automatic Premium Loan 见"自动垫交保险费贷款" / Approved 见"承保" 安装工程一切险( Erection All Risks Insurance )【B 】Beneficiary 见"受益人" / Binder, Binding Slip 见"暂保单" / 保险( Insurance) 保险法( Law of Insurance ) / 保险基金(Insurance Fond)/ 保险公司( Insurance Company) 保险保障基金(Insurance Protection Fond )/ 保险合同 (Insurance Contract )/ 保险单 ( Policy ) 保险凭证(I nsura nee Certificate ) / 保险条款(In sura nee Clauses)/ 保险标的(I nsura nee Subject) 保险金额( Insured Amount)/ 保险价值( Insured Value)/ 保险期限( Insurance Period) 保险费( Insuranee Premium)/ 保险费率( Premium Rate)/ 保险人( Insurer) 保险代理人( Insuranee Agent)/ 保险经纪人( Insuranee Broker) / 被保险人(( Insured) 保险公估人( Insuranee Assessor)/ 补偿原则( Prineiple of Compensation )不定值保险( Unvalued Insuranee )【C 】Cash Loss 见"现金赔款" / Cash Value 见"现金价值" / Co-insuranee 见"共同保险" Construetive Total Loss 见"推定全损" / 纯粹危险( Pure Risk ) / 偿付能力( Solveney) 重复保险( Multiple Insuranee )/ 重置价值保险( Reinstatement Value Insuranee)) 承保( Approved ，To Cover)/ 财产保险( Property Insuranee)产品质量保证保险( Produet Quality Bond Insuranee ) 产品责任保险( Produet Liability Insuranee )【D 】Dividend System 见"红利制度" / Dual Valuation Clause 见"双重价值条款" 大数法则( Law of Large Numbers ) / 代位求偿权( Subrogation Right ) 定值保险( Valued Insuranee)/ 第一损失保险( First Loss Insuranee) 盗窃保险( theft insuranee)/ 定期寿险( Term Insuranee) 定期生存保险( Pure Endowments)【E 】Endowment Assuranee 见"生死两全保险" / Endorsement 见"批单"Extraneous Risks 见"附加险" / Ereetion All Risks Insuranee 见"安装工程一切险" Exeess of Loss Ratio Reinsuranee 见"超率赔款再保险" / Extra Charges 见"额外费用" Exeess of Loss Reinsuranee 见"超额赔款再保险"【F 】Faeultative Reinsuranee 见"临时再保险" / Fidelity Bond 见"忠诚保证保险" Fire Insuranee 见"火灾保险" / First Loss Insuranee 见"第一损失保险" Free from Partieular Average 见"平安险" / Freight Insuranee 见"运费保险" 飞机保险( Aireraft insuranee )/ 复效( Reinstate)【G 】Graee Period 见"宽限期" / Group Life Aeeident Insuranee 见"团体人身意外伤害保险"Group Life Insuranee 见"团体人身保险" / 过失责任( fault liability )公众责任保险( Public Liability Insurance ) 【H 】Hazard 见"危险因素" / Health Insurance 见"疾病保险" / Hull Insurance 见"船舶保险") 【I 】In creased Value Clause 见增值条款” / In creased Value In sura nee 见增值保险”Inherent Vice 见“内在缺陷” / Insurance Amount 见“保险金额” / Insured 见“被保险人”In sura nee Certificate 见保险凭证"” I nsura nee Clauses 见保险条款”Insurance Fund 见“保险基金” / Insurance Period 见“保险期限”【J 】Joi nt Life In sura nee 见联合人寿保险"/ 近因(Proximate Cause) / 救助费用(Salvage Charge) 家庭财产保险( Property Insurance for Home )【L 】利润损失险( Profit Loss Insuranee ) / 劳工保险和雇主责任保险( Workers Compensation and Employer Liability Insuranee ) 【M 】Marine Insuranee 见“海上保险”/ Multiple Insuranee 见“重复保险”【N 】Natural Premium 见“自然纯保费”【O 】Outstanding Loss Reserve 见“未决赔款准备金”【P 】Peril 见“危险事故” / Personal Pension Annuities 见“退休年金保险” / Pure Risk 见“纯粹危险”Perso nal In sura nee 见人身保险” / 平均余命(Life Expecta ncy )Property Insuranee for Enterprise 见企业财产保险”Property Insurance for Home 见“家庭财产保险”Protection and Indemnity Insurance 见“保障与赔偿责任保险”Pure Endowments 见“定期生存保险” / 平安险( Free from Particular Average )【R 】Rei nstateme nt Value In sura nee 见重置价值保险"I Rei nsura nee 见再保险”Risk Management 见危险管理” / Risk Unit 见危险单位” / 人寿保险( Life Insurance ) 人身意外伤害保险( Life Aeeident Insuranee ) / 人寿保险精算师( Life Insuranee Aetuary ) 人寿保险责任准备金( Life Insuranee Reserve)【S 】双重价值条款(Dual Valuation Clause) / 损失率( Loss Ratio) / 索赔( Claim ) 施救费用( Sue and Labor Expenses) / 生死两全保险( Endowment Assuranee) 生命表( Life Table )【T 】Term Insuranee 见定期寿险” /退保( To Caneel) / 投保单( Applieation ) 投保人( Applieant ) / 退休年金保险( Personal Pension Annuities) 团体人身保险 (Group Life Insuranee ) /团体人身意外伤害保险 (Group Life Aeeident Insuranee ) 【U 】Unearned Premium Reserve 见未到期责任准备金” / Unvalued Insuranee 见不定值保险” Utmost Good Faith 见最大诚信”【V 】Valued Insurance 见“定值保险”【W 】Waiver and Estelle 见“弃权与禁止反言”/ Whole Life Insurance 见“终身寿险” 【X 】信用保险(Credit Insurance) / 现金价值( Cash Value) / 现金赔款( Cash Loss) 【Y 】一切险( all risks) 【Z 】增值条款(increased value clause) / 增值保险(Increased Value Insurance) / 主险(main risks) 自然纯保费( Natural Premium ) / 自动垫交保险费贷款( Automatic Premium Loan ) 自杀条款( Suicide Clauses)保险专业词汇insure 保险；投保；保证；/ insurance 保险；保险费；保险金额；insurance company 保险公司；/ underwriters 保险商 (指专保水险的保险商) 保险承运人；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 business 保险企业；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 conditions 保险条件/ risk 险别；PICC (People 's Insurance Company of China) 中国人民保险公司；risk insured, risk covered 承保险项；/ 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；/ insurance against war risk 战争险；risk of spontaneous combustion 自然险；/ risk of contingent import duty 进口关税险；Air Transportation Cargo War Risk 航空运输战争险；/ All Risks 一切险；Overland Transportation Insurance War Risk 陆上运输战争险；/ average 海损；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 non-delivery (TRND) 盗窃提货不着险；/ Marine Losses 海损；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；/ parcel post insurance 邮包运输保险；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；ocean marine cargo insurance, marine insurance 水险(海运货物保险) ；Particular Average (P .A) 单独海损；/ General Average (G.A) 共同海损；；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；/ life insurance 人寿保险；insurance during a period of illness 疾病保险；/ 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；/ policy-holder 保险客户；extra premium 额外保险费；/ additional premium 附加保险费；/insurance law 保险法；insurance act 保险条例；/ insurance industry 保险业；/ insurance division 保险部；insurance treaty 保险合同；/ cover note 保险证明书；/ guarantee of insurance 保险担保书；premium rebate 保险费回扣；/ insurance claim 保险索赔；/ reinsurance 分保(再保险) ；ceding, retrocession (for reinsurance) 分保；/ ceding (insurance) company 分保公司co-insurance company 共同保险公司；/ insurance document 保险单据；certificate of insurance 保险凭证；/ increasing coverage, extending coverage 加保；renewing coverage 续保；/ insurance commission 保险佣金；/ social insurance 社会保险；personal property insurance 个人财产保险；/ insurance of contents 家庭财产保险；保险基本概念词典保证保险: 保证保险是在被保证人的作为或不作为致使被保险人（权利人）遭受经济损失时，由保险人来承担经济赔偿责任的保险。

保险专业词汇英汉对照acceptance policy 核保政策accounting period 结算期aggregate limit 累积限额aggregated loss 累积损失antiselection 逆选择ART (Alternative Risk Transfer) 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)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engineering insurance工程保险Erection All Risks (EAR)安装工程一切险（安工险）excess of loss cover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insurance capacity承保能力insured property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outstanding claim reserve未决索赔准备金PC industryproperty & catastrophe industry peril危险policy保单pool联营possible maximum loss可能的最大损失premium保费primary insurance company原保公司、主保险商principal/employer业主professional专业险profit margin利润边际property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retention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承保非常见专业词汇翻译-保险类nominal premium 名目保费non arrival 未送达；[船]失踪non carrying vessel 非载货船non institute clause 非协会条款non marine {= n.m.} 非海上Non Marine Underwriters Association {= NMA} 劳依兹非海上保险人协会non-admitted company [美国]无执照之保险公司non-compliance with a warranty 未履行保证Non-Contribution Clause 无分摊条款non-delivery {= n.d.; n/d} 未送达；未送交付non-disclosure 未告知non-payment risk 不付款风险non-separation agreement 船货不分开协议non-separation clause 船货不分开条款normal course of transit 正常运送途径normal loss 正常耗损North American Warranty {= BNA Warranty} 北美洲保证条款；北美洲禁区保证not at risk; not on risk; no risk {= n.r.} [保险人]不负责Not calling at British, North American ports or places {= No BNA} 不前往英国、北美港口not exceeding {= n/e; n.e.} 不得超过not specially provided for {= n.s.p.f.} 没有特别规定not to insure clause 无受益条款not under repair {= NUR} 非修理中noted 投保通知notice of abandonment 委付通知notice of assignment 转让通知notice of cancellation 注销通知notice of cancellation at anniversary date {= NCAD} 时间保单到期日「附注」注销通知{拉丁文}notice of delay 迟延通知notification of claim against carrier 对运送人的索赔通知nuclear contamination 核子污染nuclear exclusion 核子危险除外o. cgo. 其它货物；损及被保货物o/o or o/d 甲板上或舱面；见票即付OBA 劳依兹授权海外经纪人{可在海外支付赔款} OBCL 劳依兹任用海外经纪人{但在伦敦支付赔款} objects 船舶以外之物体obligatory 义务obligatory reinsurance 义务再保险oblighe line 优惠承保业务obliteration marks 货物标志消失occurence; one occurrence 单一事件ocean marine insurance 远洋海上保险of a like kind 类似危险事故；见票即付off cover {= o/c}; off risk 停止承保off shore drilling rig; off shore oil drilling rig 外海钻油设备off slip; signer; signing slip; slip 承保条oil contamination; oil pollution 油污oil damage 油污毁损oil drilling rigs 钻油设备omission 漏报Omnibus Clause 通则on a strand [船]搁浅on consignment 抵埠寄售on gross {= OG} 折扣前保险费on net {= o.n.} 折扣後保险费on passage 运送途中on risk 承保中on signed lines 签单责任额on signed lines {= o.s.l.} 在承保额内on the berth 载泊妥待onus of proof of claim [索赔的]举证责任open cover {= o.c.} 预约承保契约open policy {= o.p.} 预约保险单open slip 预报承保单Option Request Form [伦敦保险市场]调查表or as original 或如原保险单ordinary breakage 正常破损ordinary course of transit 正常运送路线ordinary leakage 正常漏损ordinary loss 正常损失ordinary shortage 正常短少origin of goods 货物原产地original {= orig.}; original policy or policies 原保险单original assured 原被保险人original conditions 原保险单承保条件original cover; original slip 原承保条original deductions; original discount 原折扣original gross premium {= o.g.p.}; original net premium {= o.n.p.} 原总保险费original gross premium income {= o.g.p.i.}; original net premium insurance {= o.n.p.i.}; original net rate premium income {= o.n.r.p.i.} 原总保险费收入original gross rate {= o.g.r.}; original net rate {= o.n.r.} 原总保险费率original net premium income {= o.n.p.i.} 原净保险费收入original net rate {= o.n.r.} 原净保险费率original net rate to head office {= o.n.r. to h.o.} 总公司收到original net retained premium income 原净自留保险费收入original open cover 原预约承保契约original rate {= o.r.} 原保险费[率]original term 原保险单条款other cargo 其它货物other perils 其他危险事故other ship's cargo 其它船上货物other ship's engagements 对其它船义务outboard 外档；船体外的；舷外outstanding {= O/S} 未决[赔款]outstanding claims 未决索赔outstanding claims advance {= o.c.a.} 预先提存未决索赔；预先提存未决赔款outstanding claims reserve 未决索赔准备金outstanding liability 待决责任outstanding loss reserve 未决赔款准备金outturn 卸载量outturn report 卸货报告；卸载报告outward port charges 出港手续费{共同海损分担费用之一} outward towage 出港拖船费overall length {= o.a.l.} [船]全长overall measurement {= o.a.} 整体测量overclosing 超额承保over-deck 甲板上overdue market 过期市场overdue ship 失踪或过期船只overlapping insurance 重叠保险overplacing 超额安排{保险}overriding commission {= overrider; o/r; o.r.} 手续佣金；手续费overspill call 因超过再保险契约索赔所徵收之会费overspill claim 超过再保险之索赔overvaluation 高估价值owner's clauses 船东条款owner's declaration 船东申报单owner's interest; shipowner's interest 船东利益owner's repair 船东自费修理owner's survey fees 船东自费检验oxidation 生锈Pacific coast ports {= Pac.} 太平洋海岸港口Pacific Standard Time {= PST} 太平洋标准时间Pacific warranty 太平洋保证特款package insurance 综合保险package policy 综合保险单painting the bottom 油漆船底pair and set clause 配对条款parcel {= pcl.} 包裹parcel post {= p.p.} 邮包parity clause 同等费率条款partial interest 部分利益partial loss {= p/l} 部分损失partial loss of freight 部分运费损失partial loss of goods 部分货物损失partial loss of ship 部分船舶损失partial reparis to shipand unreparied damage 船舶部分条理及未修理毁损particular average {= PA} 单独海损particular average and/or general average loss {= PA and/or GAL} 单独海损及/或共同海损particular average warranty 单独海损保证particular charge {= p/c} 单独费用passager's luggage 旅客行李pauschal prime 预付保费{荷兰语}pay as may be paid 依约照付payable abroad agents 国外理赔代理人付款payment of claims 赔款给付payment of premium 保险费缴付payment order 被保险人授权经纪人代为索赔peak cover 自动承保增值peak location 最高保险金额peak value clause [棉花保险]最高价条款percentage of depreciation 折旧比率peril insured against {= p.i.a.} 承保之危险事故perils of the sea 海上风险；海难事故period; period policy; term policy 定期保险单personal accident {= personal acc.} 人身意外personal injury {= per. inj.; p.i.} 人身伤害perte totale {= p.t.} 全部损失{法语} photocopy slip 承保条影本pickings 挑选pilferage {= pilf.}; theft 偷窃pilotage account [修理帐中之]领港费用pirates 海盗；海上劫夺place of seal {= l.s.} [文书之]盖印处{拉丁文} placer 保险安排人placing 安排保险或保险已安排placing insurance 由经纪人安排保险plain form of policy 标准保险单policy and stamp 保险单及印花税policy assignment 保险单之转让policy conditions 保险单条件policy construction 保险单结构policy exclusion 保险单除外条款policy holder 保险单持有人policy lien 保险单留置权policy proof of interest {= p.p.i.} 保险利益之证明policy signing office 保险单签署处policy terms 保险单条款policy year 保险年度pollution exclusion clause 污染除外条款pollution hazard clause 污染危险条款pool schemes 联营制度pooling retention 船东责任互保协会联营组织之保留金额port area 港口区port dues {= p.d.} 港捐port of distress {= p.o.d.} 遇难港Port of Lodon Authority {= PLA} 伦敦港务局port of registry 船藉港port risk insurance 港口危险之保险port risks or pro rata {= PR or p.r.} 港口危险或比例port to port 港口至港口portage 修船期间看守人员费用portage account 修船帐中之看守人员费用portfolio 未满期保险业务；再保险业务portfolio transfer 未满期保险业务之转移Ports and Waterways Safety Act, 1972-USA {= P & WSA} 美国1972年港口及水路安全法ports in the gulf of Mexico {= gulf ports} 墨西哥湾港口possible maximum loss {= p.m.l.} 可能之最大损失post entry 进口补报关post missing 公告失踪practice 操作；实务pre-exemption 优先购买权premium advice note {= p.a.n.} 保险费通知单premium reducing 保险费递减premium reserve 保险费准备金premium to be arranged 保险费待议定premium transfer 保险费移转prepaid {= ppd.} 预付presrerving from loss 防止损失prevention of loss 损失之预防primary reinsurance clause 原始再保险条款private pleasure purposes 专供私人娱乐之用private wording scheme 特殊承保制度proceeds 销货收入proceeds to be accounted for {= proceeds t.b.a.f.} 可计算之销货收入professional packed warranty 专业包装保证professional packing 专业包装profit 利润profit commission {= p/c; PROF COM.; prof. com} 盈余佣金proof of loss 损失证明property damage {= p.d.} 财产损失proposer 要保人proprietary rights 所有权益prosecution of a voyage 航程开始protection and indemnity club {= P & I Club} 防护及补偿协会{又称船东责任互保协会}Protection and Indemnity risks {= P & I risks} 防护及补偿危险proximate cause 近因[原则]pseudenym 代号public liability {= p.l.} 公共责任pure indemnity 净赔偿{不定值保单}putrefaction; putrification 腐烂qualiftying category 危险分类quantitative and qualitative control 货物足量完好送达後支付余款quantum of interest 受抵押人与财产所有权人保险利益之分隔quay port 直接卸货港quay to quay 码头至码头quota share reinsurance 比例再保险R Form 劳依兹保险市场加拿大币交易单r/i closing form 再保险承保单r/i or direct 再保险或直接保险r/i order form 再保险要保书r/i treaty standard slip 再保险合约标准承保条Racing Risks Extension Clause 赛艇危险延展条款radioactive contamination 幅射污染ranging 船靠船转货rate to be agreed {= r.t.b.a.} 费率待议定Raw Sugar Clause 粗糖条款realised amounts 销货额reasonable cost of repair 合理之修理费用reasonable despatch clause 合理快速条款reassurance; reinsurance {= r/i} 再保险reassured {= REASSD; reassd}; reinsured 被再保险人reassurer; reinsurer 再保险人rebate 保险费折扣receipt on the policy 保险单中保险费收讫之文字reciprocity 交换业务；互惠业务reconditioning cargo 货物重整理；货物重包装reconditioning charges 重整理费用records 记录recover form underwriters 保险赔偿recovery 追偿recovery agent 追偿代理人recovery from a carrier 向运送人追偿red line clause 红字条款reducing insurer's liability 减轻保险人责任refund; refund of claim 退还赔款registry certificate 船籍登记证书REINSD or reinsd 原保险人reinstatement {= reinst.} 自动恢复原保额reinsurance clause 再保险条款reinsurance common account {= r.i.c.c.}; reinsurance of joint account {= r.o.j.a.} 再保险共同帐户reinsurance of cargo 货物再保险reinsurance of hull 船舶再保险reinsurance offices Association {= ROA} 再保险公司协会reinsurance treaty 再保险合约reinsurance waiver clause 再保险加费或退费放弃条款rejection of abandonment 推绝委付release call 解约会费release of reserve 冲还准备金release to true Sterling 按以英磅汇率冲帐reloading cargo at p.o.r. {port of refuge} 货物在避难港重新装运remaining on board {= r.o.b.} 船上余留货物remedy against third parties 向第三者追偿removal ashore clause 搬移至岸上条款removal of ship for repairs 移动船舶修理removal of wreck {i.f.v.c.} 搬移残骸{用於渔船保险}removal of wreck extension 搬移残骸延展承保{用於游艇保险} renewal not required {= r.n.r.} 未申请续保renewal notice 续保通知书renewal sheet 续保通知表repacking 重新包装repair accounts 修理费用帐repair specification 修理说明书repairs to ship 船舶修理费replacement clause 重置条款replacement of machinery 机器重置reporting form basis 保额通知基础epresentation 陈述request form 查询表res nullius {nobody's responsibility} 无人负责任{拉丁} reserve account 准备金帐户re-signing addendum 重新签置之附录restraints 禁止retained line 自留业务retention 自留额retention table 自留限额表retiring from a line 不愿续保或注销责任额retroactive; retrospective 有追溯力的retrocedant 分出转再保险人retrocede 转再保险retrocession 转再保险业务retrocessionaire 接受转再保险人return by agreement 双方协议退费return for no claim 无赔款退费return for non-attachment 保险未生效退费return of premium {= r.p.}; returns {= ret.} 退还保险费Returns Bureau 退费核定局returns clause {ACV} 退费条款{气垫船}right of contribution 分摊责任right of insurance against carrier 保险人对运送人之追偿权right of recovery 追偿权rights of carrier 运送人免责权rights of subrogation; subrogation 代位求偿权rights to take tenders 招标权riots and civil commotions {= RSCC; r.s.c.c.} 暴动及民众骚扰rising market 涨价之市场risk 危险rotation clause 轮保条款round voyage 往返航程rubber clause 橡胶保险条款Rubber Trade Association Clause {= RTA CL.} 橡胶贸易协会条款rudder clause 船舵等不保条款rules for construction of policy 保单解释规则rules of practice 实务规则run off 满期为止running days 连续日期running landing numbers {= r.l.n.} 卸载顺序Russian Register of Shipping 俄国验船协会rye terms {= r.t.} 裸麦保险条件s/a l/u 俟承诺并通知首席保险人後生效sabotage 恶意破坏行为sabotage to ship 对船舶之恶意破坏sacrifice 牺牲safely landed 安全卸货sailed as per list {= s.a.p.l.} 依据时间表开航；劳依兹日报公告船期sailing card 船期通知卡sailing warranty 航行保证sale charges; sale fees 销售费用sale of vessel 船舶出售sale of vessel clause 船舶出售条款sale terms 销售条件sales contract 销售契约salvage {= s} [海难]救助；打捞；救助报酬salvage agreement 救助协议salvage and recovery clause 救助及追偿条款salvage association {= SA} 救助协会salvage association account {= SA a/c} 救助协会帐户salvage guarantee 救助保证salvage loss {= s.l.} 救助损失salvage property 经施救而保全之财产salvor's lien 救助留置权saving human life 海上人命救助scale of rates 保护费率表schedule to the Act [英国]海上保险法之附表scraping the bottom 清除船底scratching 擦损油漆之危险sea water damage {= SWD; s.w.d.} 海水损害seaworthiness admitted clause 适航能力承认条款seaworthy ship 适航船舶second hand machinery 二手货机器；旧机器second hand replacement clause 二手货机器重置条款；旧机器重置条款second leaving 第二次发送security 安全保证seen 已看过self insured 自己保险seller's interest 卖方利益semester 半年semi-submersible rig 半潜式钻油平台sentimental loss 推断损失separate value 分项保险金额separation box 保险费入帐通知分类箱separation procedure 保险费入帐分类程序service in the nature of salvage 救助服务service of suit {= s.o.s.} 诉讼服务settlement calender 理赔处理日期表settlement date 理赔日期settlement of claims abroad {= s.c.a.} 国外索赔；海外理赔处理settlement option 赔款选择settlement statement 理赔明细表several ports of discharge 多个卸货港ship and goods {= s.g.} 船舶及货物ship owner's liability {= s.o.l.}; shipowner's liability 船东责任ship repairer's liability {= s.r.l.; s.r. liab.} 船舶承修责任shipbuilding codes 船舶种类代码shipowner's liability to cargo 船东对货物之责任shipowner's lien 船东留置权。

保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insurance industry保险业务结构business structures保险业主体bodies in Insurance Industry被保险人insured理赔claim settlement承保利润微薄underwriting profit is slight承保能力insurance capacity承保业务underwriting operation未决赔款储备金reserve IBRN大数法则Law of Large Numbers营业额turnover市场缺陷market imperfections社会保险social insurance个人代理人personal agent银行保险bank insurance直销straight pin佣金brokerage手续费commission charges再保险reinsurance2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance3、寿险词汇变额寿险variable life insurance长寿保险insurance on last survivor定期寿险term insurance合同储蓄机构contractual saving institutions红利dividend疾病保险sickness insurance简易险industrial insurance健康保险health insurance巨额医药费保险major medical" insurance policy可变保费寿险flexible—premium life insurance利差损interest spread risk利率敏感型产品interest—sensitive whole life赔期/期限indemnity period/limit普通寿险ordinary life insurance人寿保险life insurance预定利率市场化Market-based Assumed Interest Rate 团险group insurance限期缴费终身寿险limited—payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险 financial planning oriented insurance 投资连结寿险unit—linked life insurance4、保险偿付能力风险资本要求risk—based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System 财务分析跟踪系统Financial Analysis Tracking System偿付能力 Solvency偿付能力不足 insolvent认可资产 admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团People's Insurance Company of China(简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolute return相对收益relative return3、组合管理大类资产配置assets allocation战略资产配置Strategic Assets Allocation（简称SAA）战术资产配置Tactic Assets Allocation（简称TAA）流动性管理liquidity management资产负债管理Asset-Liability Management（简称ALM）久期匹配duration matching现金流匹配cash flow matching一般账户general account独立账户separate account4、类别投资固定收益投资fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）均值一方差分析the mean-variance method5、第三方业务财富管理wealth management第三方投资管理the third-party asset management企业年金occupational annuity养老金pension集合投资产品collective investment fund。

货物保险鉴定常用词汇英汉对照货物保险鉴定是指确定货物受损或运输公司的责任的过程。

在货物运输中，货物可能会遭受各种损坏，包括物理损坏、丢失或盗窃等。

为了保护货主的利益，货物保险鉴定成为货物运输中的重要环节。

本文将为大家提供一份货物保险鉴定常用词汇英汉对照，以便大家更好地了解货物保险鉴定过程。

1.鉴定（assessment）：指对货物损失进行评估和补偿的过程。

2.赔偿（compensation）：指根据保险合同的规定，对货物损失进行经济赔偿的行为。

3.货物（cargo）：指用于运输的货物。

4.投保人（policy holder）：指购买保险的人。

5.保险人（insurer）：指在合同中承保风险，提供经济赔偿的人。

6.保险合同（insurance policy）：指保险人和投保人之间签订的保险合同。

7.运输单据（transport documents）：指在货物运输过程中所涉及的各种单证，如提单、运单、保险单等。

8.第三方责任险（third-party liability insurance）：指负责承担因运输过程中第三方的损失而产生的责任的保险。

9.应赔金额（indemnity amount）：指保险公司根据保险合同规定，应赔偿的经济金额。

10.免赔额（deductible）：指保险公司在赔偿时，不赔偿的部分。

11.风险（risk）：指在货物运输过程中可能产生的各种潜在损失。

12.保单号（policy number）：指保险公司给保险单编号的唯一标识。

13.损坏（damage）：指货物在运输过程中出现的各种物理损坏。

14.丢失（loss）：指货物在运输过程中无法找回的状态。

15.盗窃（theft）：指货物在运输过程中遭受盗窃的行为。

16.运输罢工（transport strike）：指运输过程中因罢工而导致的损失。

17.包装（packaging）：指货物的包装方式和包装材料。

18.运输方式（mode of transport）：指运输货物所采用的方式，如水路、陆路、空运等。