Natti 翻译练习： Public Liability 公众责任
CATTI英语二三级笔译词汇必备下载
房地产开发real estate development
扶贫帮困help and support the poor
公共绿地public lawn
公用事业public utilities
会展中心convention center
基建规模infrastructure scale
面临严峻挑战face severe challenges
清醒地看到acutely aware
生态恶化ecological deterioration
提高意识strengthen the awareness
相互尊重，求同存异，平等互利，优势互补，借鉴经验，拓展合作，立足当前，着眼未来respect each other, seek the common ground while putting aside difference, enjoy equality and mutual benefits, complement each other’s advantages, learn each other’s experience, expand the cooperation, stand from the present and look forward to the future
以此会议为契机take the opportunity of this seminar
滞后lag behind
转轨建制过程缓慢the tr4ansition of mechanism is slow
总结经验教训draw lessons from the past
community development oriented 以发展社区为宗旨的
Lesson 53 In the public interest 为了公众的利益
Lesson 53 In the public interest 为了公众的利益Listen to the tape then answer the question below.听录音，然后回答以下问题。
What could not be reported in the official flees?The Scandinavian countries are much admired all over the world for their enlightened social policies. Sweden has evolved an excellent system for protecting the individual citizen from highhanded or incompetent public officers. The system has worked so well, that it has been adopted in other countries too.The Swedes were the first to recognize that public official like civil servants, police officers, health inspectors or tax-collectors can make mistakes or act over-zealously in the belief that they are serving the public. As long ago as 1809, the Swedish Parliament introduced a scheme to safeguard the interest of the individual. A parliamentary committee representing all political parties appoints a person who is suitably qualified to investigate private grievances against the State. The official title of the person is 'Justiteombudsman', but the Swedes commonly refer to him as the 'J.O.' or 'Ombudsman'. The Ombudsman is not subject to political pressure. He investigates complaints large and small that come to him from all levels of society. As complaints must be made in writing, the Ombudsman receives an average of 1,200 letters a year. He has eight lawyer assistants to help him and examines every single letter in detail. There is nothing secretive about the Ombudsman's work for his correspondence is open to public inspection. If a citizen's complaint is justified, the Ombudsman will act on his behalf. The action he takes varies according to the nature of the complaint. He may gently reprimand an official or even suggest to parliament that a law the altered. The following case is a typical example of the Ombudsman's work.A foreigner living in a Swedish village wrote to the Ombudsman complaining that he had been ill-treated by the police, simply because he was a foreigner. The Ombudsman immediately wrote to the Chief of Police in the district asking him to send a record of the case. There was nothing in the record to show that the foreigner's complaint was justified and the Chief of Police strongly denied the accusation. It was impossible for the Ombudsman to take action, but when he received a similar complaint from another foreigner in the same village, he immediately sent one of his layers to investigate the matter. The lawyer ascertained that a policeman had indeeddealt roughly with foreigners on several occasions. The fact that the policeman was prejudiced against foreigners could not be recorded in the official files. It was only possible for the Ombudsman to find this out by sending one of his representatives to check the facts. The policeman in question was severely reprimanded and was informed that if any further complaints were lodged against him, he would prosecuted. The Ombudsman's prompt action at once put an end to an unpleasant practice which might have gone unnoticed.New words and expressions 生词和短语evolvev. 逐渐形成high-handedadj. 高压的，专横的incompetentadj. 不够格的，不称职的over-zealouslyadv. 过分热情地safeguardv. 保护parliamentaryadj. 国会的qalifiedadj. 合格的grievancen. 不平，冤屈Justiteombudsmann. （瑞典的）司法特派员ombudsmann. （瑞典和英国的）司法特派员secretiveadj. 保密的correspondencen. 来往信件alterv. 改变accusationn. 谴责，指控ascertainv. 查出，查明prejudicedadj. 有偏见的，不公平的promptadj. 即时的参考译文斯堪的纳维亚半岛各国实行开明的社会政策，受到全世界的推崇。
责任、赔偿、免责条款的翻译Liability,IndemnificationandRelease
责任、赔偿、免责条款的翻译Liability, Indemnification and Release翻译实践1.Each party shall indemnify the other from any and all losses that may arise out of breach by such party of any of the warranties set forth in this Article, and each party shall indemnify the other party from any and all losses that may arise out of breach by such party of any of the agreed terms in this Agreement.2.Without limiting any right or remedy available to the non-defaulting party at law or in equity, upon the termination of this Agreement in accordance with Articles X, the defaulting party shall indemnify the other party for all damages, costs, charges and expenses suffered or incurred by it in connection with the termination due to the negligence, breach of duty or other default or wrongdoing of the defaulting party, its servants, employees, agents or contractors.3.The CJV shall be solely and fully responsible for the quality of the Products manufactured hereunder, for their conformity with the Technical Data and for their compliance with the laws and regulations from time to time in force in the Territory. The CJV shall indemnify Party B against any loss or damage directly or indirectly suffered by Party B as a result of the failure of the Products manufactured hereunder to comply with the Technical Data ("Defective Products") or to comply with such laws or regulations; provided, however, that such indemnification shall not exceed the total of ex-factory sales price, costs of delivery and transportation and other costs associated with the recall of these Defective Products.4.Each Party hereby indemnifies the other Party and undertakes to hold harmless and defend the other Party against any and all claims, suits, losses, damages, disbursements (including legal and management costs) arising out of any alleged or actual breach or failure to comply with the terms andconditions hereof including but not limited to any infringement of the other Party's intellectual property or other rights occurring as a result of the offending Party's fault, omission or activities in connection with the Project.5.Consultant hereby agrees to indemnify, hold harmless and defend Client from and against any and all claims, liabilities, losses, expenses (including reasonable attorneys' fees), or damages (collectively "Liabilities") asserted against Client by a third party to the extent such Liabilities result from the infringement of the Works delivered on any third party's trade secret, trademark, service mark, copyright or patent issued as of the date of this Agreement (collectively, an "Intellectual Property Right"); provided that Client: (i) promptly notifies Consultant of any third party claim subject to indemnification hereunder, (ii) gives Consultant the right to control and direct the preparation of a defense, the defense and any settlement of any such claim, (iii) gives full cooperation to Consultant for the defense of same, and (iv) complies with Consultant's direction to cease any use of the Works which, in Consultant's sole judgment, is likely to be ruled an infringement on a third party's Intellectual Property Right.6.Each Party forever releases and discharges the other from all claims, debts, allegations, actions, causes of action and demands, whether known or unknown, arising from or in connection with the Claim and existing as at the date of this Settlement Agreement, including without limitation any liability for legal costs connected with or arising out of the subject matter of the Claim. Any other claims unrelated to the Claim that one Party may have against another, whether prior to or after the date hereof, shall not be affected or otherwise prejudiced by this Agreement.Party B irrevocably waives all rights that it may have in law or contract against Party A, its affiliates, subsidiaries and related companies howsoever arising in respect of or in connection with the Claim.参考译文责任、赔偿、免责1. 一方如果违反其在本条中的任何保证而使另一方发生损失，应向损失方做出赔偿;一方如果违反本协议任何约定条款而使另一方发生损失，亦应向损失方做出赔偿。
公众责任险 中英文对照
公众责任险中英文对照公众责任险，也被称为公众责任保险，是一种特殊的保险，它涵盖了因公共场所、公共设施或建筑物内的意外事故所导致的法律责任风险。
公众责任险的作用1. 风险转移：公众责任险能够将企业可能面临的法律责任风险转移给保险公司，降低企业的经营压力。
2. 保护企业声誉：在意外事故发生后，保险公司能够为企业在公众中提供积极的形象，有助于维护企业的声誉。
3. 减轻财务压力：如果发生意外事故，公众责任险能够为企业在事故处理、赔偿等方面提供财务支持，减轻企业的财务压力。
对于任何企业来说，公众责任险都是一个重要的保障工具，它能够为企业在面临法律纠纷时提供强大的支持。
适用范围公众责任险适用于各种类型的商业企业，如商场、酒店、餐饮、娱乐场所、学校、医院等。
这些场所可能因为意外事故引发法律纠纷，而公众责任险能够为这些场所提供全面的保障。
对于各种类型的商业企业来说，公众责任险都是一个不可或缺的保障工具。
Public liability insurance, also known as public liability insurance, is a special type of insurance that covers the risk of legal liability arising from accidents in public places,public facilities or buildings.Role of Public Liability Insurance1. Risk transfer: public liability insurance can transfer the risk of legal liability that the enterprise may face to the insurance company and reduce the operating pressure of the enterprise.2. Protection of corporate reputation: After an accident, the insurance company is able to provide a positive image of the company to the public, which helps to maintain the reputation of the company.3. Reduce financial pressure: If an accident occurs, public liability insurance can provide financial support to the enterprise in terms of accident handling, compensation, etc. and reduce the financial pressure of the enterprise.Public liability insurance is an important protection tool for any business, which can provide strong support when facing legal disputes.Scope of ApplicationPublic Liability Insurance is applicable to all types of business enterprises, such as shopping malls, hotels, restaurants, entertainment venues, schools and hospitals. These establishments can be subject to legal disputes due toaccidents and public liability insurance can provide comprehensive coverage for these establishments. Public liability insurance is an indispensable protection tool for all types of commercial enterprises.。
公众责任险英文版
The public liability insurancefor the operation of the enterprise to support the umbrellaIn our daily life, we often go to public places such as hotels, supermarkets, shopping malls, movie theaters and office buildings to enjoy the convenience of life and fun.But often seemingly safe places, there are many unexpected accidents that we can't predict.Such as ground water slip fall, elevator parts, downhill, falling objects such as "outrageous fortune" the biggest security hidden danger, has become a public place and business managers will directly facing a lawsuit or claim.Another high-risk place that we often overlook is education training school. Due to the concentration of people and the relative isolation of the environment, it is more likely to cause widespread damage if accidents occur.Training object training schools for children, because children lack of self-protection ability, the school must have a comprehensive and effective safety protection measures, and after the accident will also unavoidable legal and ethical responsibility.But accidents are often unpredictable, and whether there is a better option for the site operator before an accident or casualty.It is particularly important to insure public liability insurance for the place in advance, which can be an effective way to pass on risks and make up for losses in the face of highcompensation or great loss.What is public liability insurance?Public Liability Insurance is also called general liability insurance or comprehensive liability insurance. It takes the public liability of the insured as the object of the insurance, and is the most independent and applicable insurance category in the liability insurance.Public responsibility refers to the damage of the person's property or personal property caused by the fault behavior of the victim in the public place of action, and the economic compensation responsibility of the victim should be borne by the victim according to law.The constitution of public responsibility is based on the legal responsibility of economic compensation, and its legal basis is the civil law and all kinds of relevant laws and regulations. In addition, in some places which are not public activities, if the public is injured by the responsible person in the place, it can also be attributed to the public responsibility.Therefore, public facilities, places, factories, office buildings, schools, hospitals, shops, exhibition halls, zoos, hotels, hotels, theaters, sports venues, and construction sites are all responsible for the risks of public liability accidents. The owners and managers of these places need to transfer their responsibility through public liability insurance.The responsibility of insurance companies in public liability insurance:1. the liability for economic compensation should be taken according to law when the insured person has made personal casualty or property loss;2. in the event of a responsible accident, if the legal proceedings arise, the insured shall bear the responsibility for the relevant litigation costs.However, the highest liability of the insurance company shall not exceed the limit of compensation for each accident or the limit of cumulative compensation stipulated in the policy.Characteristics of public liability insurance:The object of insurance is invisible: the public liability insurance guarantees the insured's economic compensation liability due to the accident caused by personal injury and property loss due to accident in the scope of his operation.A wide range of applications:this type of insurance can be applied to factories, office buildings, hotels, houses, shops, hospitals, schools, theaters, exhibition halls and other public places of activity.There are rich forms of expression: common responsibility, comprehensive responsibility, place responsibility, elevator responsibility, contractor's responsibility, etc., while China mainly displays public responsibility of the placeWhy should public liability insurance be covered?The public responsibility risk in life is everywhere. With the enhancement of people's awareness of rights protection, the general business places are facing the risk of responsibility disputes. After all, business units have the obligation to protect the basic personal safety of consumers.For example, some schools, educational institutions and other places of public gathering, often occur students during class accidental falls, participation in school activities,accidents, students trouble, fight, traffic accident on the way to school, food poisoning, fire and explosion accidents and other security risks.Once an accident occurs, causing casualties, the school should bear the responsibility for the accident. If the public liability insurance is applied, the commercial means can effectively avoid the economic compensation loss of the operator.The risk of public responsibility in life1. Shift risks for enterprise managementPublic liability insurance coverage so that enterprises can effectively transfer the risks in the process of operation, the relief may face high compensation responsibility and the contradiction between small payment ability, avoid due to inability to compensate thebankruptcy and production disruptions, and maintain the stability of production.In October 8th, Guangxi province Lingshan county junior middle school girl Huang in the classroom lectures, ceiling fans fall suddenly, rotating fan blade scraping to its left cheek, face and corner of the blood DC, constitute disfigurement. Lingshan County People's court sentenced the school to full responsibility, to compensate students for subsequent treatment costs and mental damage solatium. The school seeks compensation insurance with the public liability insurance policy signed by an insurance company in March of that year. After providing the claim data, the insurance company has successfully obtained the claim.By insuring public liability insurance, the school can effectively avoid the responsibility risk disputes and maintain the stability of the normal development of the school.2.Effectively protect the vital interests of the publicManagers in every public place are responsible for the customers and the public who visit your place. Although accidents can be reduced, but can not be completely avoided, operators should protect the public interest as the starting point, so that every public access to adequate security.In March this year, Maria Tung in an education institutions in class, because of the ground water caused Maria Tung slipped and fell, then rushed to hospital for treatment, treatmentcosts 5800 yuan. Maria Tung's parents immediately launched a claim to the educational institution. After contacting the educational institution and the insurance company, Maria Tung finally got the compensation.Public liability insurance through the market risk transfer mechanism, using commercial means to solve legal disputes, such as compensation liability, protect the legitimate rights and interests of the public, and maintain social harmony and stability.3.A number of national laws and regulations to encourageThe country has passed many laws and regulations many times, encouraging some public gathering public places to insure public liability insurance, ensuring the public safety, and adopting effective ways to prevent and control the risks actively.For example:"Notice of the general office of the State Council forwarded the Ministry of public security fire control reform and development program" (issued [1995]11) thirtieth:Fire insurance and public liability insurance should be taken in places such as important enterprises, inflammable and explosive dangerous chemicals places, large shopping malls, hotels, restaurants, theaters, dance halls and other public places. The insurance company can give preferential treatment and reward to the fire prevention work and the purchase of fire engines by the fire brigade".Article thirty-third of fire protection law:The State encourages and guides the public to gather places and enterprises that produce, store, transport or sell inflammable and explosive dangerous goods to insure public liability for fire risks.The thirty-seventh article of tort liability law:The organizers or the organizers of mass activities in public places such as hotels, shopping malls, banks, stations, entertainment places, etc., fail to fulfill the obligation of safety protection and cause damage to others, they shall bear the tort liability.How to insure public liability insurance?People in the business of insurance public liability insurance, general insurance business that unlike other fixed premium table, but usually each of the insured risk individually negotiated rates, in order to ensure that the insurer undertakes the responsibility and the risk premium to adapt.Therefore, insuring public liability insurance requires the insurance company to customize the insurance scheme according to the assessment of the enterprise's own risk. As a senior insurance brokerage company, Wachovia has rich experience in planning insurance schemes and claims, and can help enterprises to plan appropriate insurance programs according to the actual needs of enterprises.Public liability insurance coverage, the insurance industry in accordance with international practice, the insurance of public liability insurance according to each accident basic compensation limit and deductible respectively for personal injury and property damage insurance rate two, if the basic compensation limit and deductible or when the insurance premium should be appropriate, but and non proportionally.The calculation methods of public liability insurance premium include the following two situations:1.The compensation limit (accumulated or every accident compensation limit) as the basis of calculation,That is the insurance premium receivable = total amount of compensation * applicable rates2. To calculate the premium according to the size of the place,The insurance premium receivable insurance underwriter = place occupied area (squaremeters) * per square metre of insurance.LastShen zhen myonline insurance brokers reminded everyone ,even if the insured public liability insurance, still need to improve the sense of risk prevention. Business operators shall employ qualified staff, and maintain the use of buildings, roads, factories, machinery, apparatus and equipment for a long time in good condition, immediately to repair the defects have been found, or take temporary measures to prevent the occurrence of accidents.Once the policy insurance accident, insurance companies should contact immediately after, and the extent of the loss occurred in the accident report; without the examination and consent of insurance firms, can not change and repair of the accident related buildings, roads, factories, machinery, apparatus and equipment.For insurance, please contact myonline insurance brokers：400-6007-005。
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長期失能保險=long-term disability income insurance 長期失能保險=permanent health insurance（PHI）震災保險=earthquake insurance個人簡易壽險=individual life insurance承保業務內容組合=portfolio風險移轉=risk transfer風險移轉=transfer of risk利率風險=interest rate risk斷肢保險=dismemberment insurance總保費=gross premium總保費=premium, gross次標準體=risk substandard次標準體=substandard次標準體=under-average life汽車責任保險=automobile liability insurance受託人=bailee受託人=fiduciary受託人=trustee受託人=consignee增額保險單=additional optional policy責任準備金修正制=modified reserve standards已發生之費用=expense incurred保證增加保額選擇權=guaranteed issue投保前已存在的健康狀態=preexisting condition約定價值條款=agreed value clause事故發生基礎=occurrence basis自動墊繳保費=automatic premium loan（APL）個人信用保證保險=individual fidelity bond可能最大損失=maximum probable loss可能最大損失=possible maximum loss（PML）可能最大損失=probable maximum loss（PML）風險衡量=risk measurement保單紅利選擇權=dividend options保單紅利選擇權=options, dividend最大誠信契約=contract of utmost good faith最大誠信契約=uberrime fidei contract清償能力邊際=margin of solvency保單生效日=policy date豁免保險費附約=waiver of premium rider保險公司=insurance company信用卡偽造保險=credit card forgery insurance保證現金價值=cash value, guaranteed保證現金價值=guaranteed cash value要約與承諾=offer and acceptence保證購買選擇權=guaranteed purchase option賠償金=reparations保險契約=contract保險契約=contract of insurance保險契約=insurance contract變更受益人=beneficiary change財團法人工程保險協進會=Engineering Insurance Association（E.I.A.）自然災害=peril of nature受益人=beneficiary傷害及疾病保障=injuries and diseases covered職業傷害=occupational injury終身失能給付=lifetime disability benefit單獨海損=average, particular單獨海損=particular average承保能量=capacity危險因素=hazard承保利潤=underwriting profit保險證明書=insurance certificate保險效力終止條款=termination clause可信度=credibility完全失能給付=total disability benefit實質危險因素=hazard, physical實質危險因素=physical hazard汽車保險=automobile insurance汽車保險=motor insurance汽車保險=vehicle coverage信用風險=credit risk可保性=insurability海損理算師=average adjuster法律風險=legal risk航空器墜落及機動車輛碰撞承保式=falling aircraft & vehicle impact form 可保性增額選擇權=insurability option現值=current value現值=present value現值=present worth不保項目批註=exclusion rider遞延年金=annuity, deferred遞延年金=deferred annuity直接簽單公司=direct writer直接簽單公司=direct writing carrier保險效力之中止=suspension of coverage提前滿期選擇權=accelerated option除外（不保）期間=deferred period承保準備金=underwriting reserve連生生存年金保險=joint life and survivor insurance連生生存年金保險=joint-life and last-survivor annuity變額壽險=variable life insurance法定有價證券評價準備=mandatory security valuation reserve（MSVR）應計基礎（權責發生基礎）之會計方法=accrual basis of accounting團體年金=annuity, group團體年金=group annuity保單所有人權益=equity, policyowners保單所有人權益=policyowners equity保單所有人權益=policyholder surplus已發生費用=incurred expenses不續約條款=non-renewal clause保費自動墊繳選擇權=automatic premium loan option對價=quid pro quo對價=valued of all consideration對價=consideration請求給付保險金=claim純保費=premium, pure純保費=pure premium純保費=net premium純保費=net single premium純保費=premium, net非營利性公司=non-profit corporation利率敏感型保險單=interest sensitive policies定期年金=terminable annuity特別賠款準備金=special loss reserve保單可貸金額=loan value不當執業=malpractice財團法人保險事業發展中心=Insurance Institute of the Republic of China 分離帳戶=separate account二十年期繳費終身壽險=twenty-payment life不可轉換定期保險=non-convertible term insurance未決賠款=claim outstanding未決賠款=loss outstanding未決賠款=losses outstanding未決賠款=outstanding losses風險控管=risk control追溯保費=retrospective premium強制汽車責任保險=compulsory automobile liability insurance保險期間=duration of risk保險期間=period保險期間=policy period保險期間=policy term保險期間=term of policy保險期間=term人身意外傷害保險=personal accident insurance風險暴露單位=exposure unit故意之侵權行為=intentional tort故意之侵權行為=tort, intentional投保紀錄=insurance history列名被保險人=insured named列名被保險人=named insured主保險單=primary cover健康保險=health insurance可保價值=insurable value終身失能保險=lifetime policy不足額保險=underinsurance分進再保險人=assuming reinsurer保單架構=policy structure推定全損=constructive total loss招募率=recruitment ratio客觀危險=objective risk生存年金=annuity, life生存年金=life annuity被保險人=assured被保險人=cestui que vie被保險人=insurant被保險人=insured長尾賠案=long-tail claim保單貼現=viatical settlement代理費用=agent expense保險業務員=producer保險業務員=solicitor承保成本=underwriting cost未收保險費=outstanding premium未收保險費=uncollected premium不沒收價值=non-forfeitability確定給付退休金計畫=defined benefit pension plan 確定給付退休金計畫=pension plan, defined benefit 現金價值=cash value比例再保險=reinsurance, share比例再保險=share reinsurance比例再保險=proportional reinsurance金融服務=financial services工程保險=engineering insurance共同海損=general average海難=perils of the sea標準差=standard deviation or variation第三人責任保險=third party liability insurance罷工暴動民眾騷擾不保條款=free of strikes, riots and civil commotion clause （F.S.R. & C.C. clause）已發生但未報損失=incurred but not reportedlosses（IBNR）除外期間=deductible, period除外期間=excepted period除外期間=excluded period保證利率=guaranteed interest rate火災法律責任保險承保約定=fire legal liability coverage估計最大損失=estimated maximum loss（EML）事故年度=accident year國民健康保險=national health insurance養老年金險=annuity, endowment調整後承保利潤=adjusted underwriting profit長尾業務=long-tail business平均損失幅度=average loss severity平均損失幅度=average severity保單交付=policy delivery分紅保險=par分紅保險=participating insurance銀行保險=allfinanz銀行保險=bancassurance保險單起保日=commencement of coveragement保險單起保日=date of inception of the policy確定提撥退休金計畫（購買型計畫）=defined contribution pension plan（money purchase plan）加減費率法=modification rating每一事故限額=limit, per accident每一事故限額=occurrence limit每一事故限額=per accident limit簡易保險=industrial insurance寬限期間=grace period寬限期間=days of grace法定公積金=statutory surplus差別費率=rate discrimination頻率=frequency承保範圍=coverage承保範圍=insurance coverage定額給付年金=annuity, fixed定額給付年金=fixed annuity大數法則=law of large numbers大數法則=the law of large numbers每年更新（續保）團體定期保險=yearly renewable group term insurance 現金保險=cash insurance現金保險=money insurance非比例性再保險=nonproportional reinsurance生存險=pure endowment足額保險=full insurance足額保險=full value insurance傳統人壽保險公司=old line company傳統人壽保險公司=old line legal reserve company有效契約=business in force有效契約=in-force business有效契約=valid contract有效契約=insurance in force營建工程契約保證保險=bond, construction contract營建工程契約保證保險=construction contract bond比率再保險=reinsurance, quota share營建工程保險=construction insurance保險轉嫁=insurance transfer安裝工程保險=installation insurance風險辨識=risk identification外務佣金=agent's commission全損=total loss（TL）兵險條款=war clause兵險條款=war risk clause醫療保險=medical insurance代位原則=subrogation principle推定失能=presumptive disability分保公司=primary終身壽險=life insurance, permanent終身壽險=lifetime policy終身壽險=ordinary life-whole life-straight life終身壽險=permanent life i基本保費=basic premium不可保危險=noninsurable risk不可保危險=noninsurance risk不可保危險=uninsurable risk執業過失責任保險=malpractice liability insurance分紅保單=participating分紅保單=participating policy分紅保單=with-profits policy意外事故傷害=injury independent of all other means無清償能力=insolvency附加承保範圍=additional extended coverage分保=cede分保=reinsurance投資報酬風險=investment yield risk火災保險=fire insurance事故發生率=incidence rate人身意外傷害及疾病保險=personal accident and sickness insurance 求償通知條款=notice of claim provision免除特定責任=waiver事故發生通知=notice to company避險=hedge避險=hedging事故年度統計=accident-year statistics攤回再保險賠款=claim recovered from reinsurer獨立董事保險單=independent directors policies標準體=risk, standard標準體=standard標準體=standard life到期日=date of expiration保額=amount insured保額=amount of insurance非系統性風險=risk, unsystematic自動保費墊繳條款=automatic premium loan provision（APLP）佣金=commission財務再保險=financial reinsurance適格要件=eligibility requirement住院醫藥費保險=hospital medical insurance效力終止=termination年金保險=annuity提前滿期=accelerative endowment穿透率=penetration調解=mediation再保=reinsurance專屬保險=captive insurance意外死亡條款=accidental death clause輸出融資保險=export loan insurance人壽保險標準（示範）條款=standard provision, life insurance承保條款=insuring clause復原條款=reinstatement clause保證與告知=warranties and representation傘覆式再保險=umbrella reinsurance保額復效=reinstatement of the sum assured保險代理人=insurance agent聲明條款=recital clause保單轉換條款=policy change provision不定值海上保險單=unvalued marine policy除外責任條款=exception clause再保險合約=reinsurance treaty再保險合約=treaty年金受益人=annuitant海損=average定額給付=benefit, flat dollar定額給付=fixed benefit定額給付=flat dollar benefit定額給付=stated value benefit保險密度=insurance density公營保險人=governmental insurer辛迪卡=syndicate財務規劃師=Certified Financial Planner（CFP）失能所得附加特約=disability income rider比率再保險合約=quota share reinsurance（treaty）意外事故預防=accident prevention貼現值=discount value短期費率=short period rate短期費率=short rate直銷=direct selling限期繳費保險契約=limited payment policy共同受益人=joint beneficiary外務員=agent外務員=field representative外務員=fieldman外務員=representative外務員=representative, field定值保險=valued coverage曆年事故年度統計=calendar-accident-year statistics保險單起迄日=date of subscription to the policy保單解約=surrender a policy長期看護險=long-term care（LTC）現金賠款=cash claim住院及手術費用保險=hospital / surgical expense insurance 住院保險=hospitalization insurance風險管理程序=risk management process費率釐定機構=rating organization自然耗損不保事項=wear and tear exclusion兵險=war risk受益人生存年金=survivorship annuity躉繳保費=premium, single躉繳保費=single payment躉繳保費=single premium保險經紀人公司=brokerage agency全險=against all risks（AAR）全險=all risk insurance全險=all risks全險=open perils風險值=value at risk（VaR）人壽保險之生存給付=living benefits of life insurance自然保費=natural premium財產及責任保險核保人=Chartered Property and Casualty Underwriter（CPCU）賠款成本率=burning cost ratio（pure loss cost）不實說明=misrepresentation可移轉式退休金=portable pension信用失能保險=credit disability insurance附加醫療保險=supplemental medical insurance附加醫療保險=supplementary medical insurance個人傷害保險=personal injury insurance投保申請書=application已承保=covered額外保費=extra premium額外保費=premium, extra不實重要說明=material misrepresentation危險事故=peril承保條=slip分保人=cedent股份型態之保險公司=stock insurance company股份型態之保險公司=stock insurer自殘=self-inflicted injury法律責任保險單=legal liability insurance policy保險單=insurance policy保險單=policy綜合個人責任保險=comprehensive personal liability insurance事故發生基礎責任承保範圍=claims occurrence basis liability coverage 平準佣金=commissions, level平準佣金=level commission事故=occurrence不可抗力之事故=force majeure射倖契約=aleatory contract發單日=date of issue營建機具綜合保險=contractors equipment insurance表定死亡率或罹病率=tabular mortality or morbidity附加保費=additional premium（AP）附加保費=loading charge附加保費=premium loading附加保費=loading失能豁免保險費=waiver of premium disability benefit失能豁免保險費=waiver of premium for disability確定簽單保額=definite closing起賠式自負額=deductible, franchise起賠式自負額=franchise deductible自然死亡=natural death風險管理=risk management現金償還年金（一次償還年金）=cash refund annuity（lump sum refund annuity）臨時分保=facultative reinsurance臨時分保=reinsurance, facultative喪葬保險=burial insurance喪葬保險=funeral insurance保單變造=spoliation保費=insurance premium保費=premium放佣行為=rebating每年更新（續保）定期保險=annual renewable term insurance每年更新（續保）定期保險=yearly renewable term insurance每年更新（續保）定期保險=yearly renewable term（YRT）保險需求分析法=need approach長期失能所得保單=long-term disability policy受託人保險=bailees insurance相互保險=mutual insurance已付賠款=losses paid已付賠款=paid losses失能保險=disability insurance技術準備金=technical reserve保單轉換=policy replacement不保危險=excluded peril防護及補償協會=Protection and Indemnity Club（P & I Club）風險成本=cost of risk營造綜合保險=contractor's all risks insurance（C.A.R.）保單面值=policy face（保險）仲介人=intermediary要約=offer投資連結型養老保險=unit-linked endowment初年度保費=first-year premium指數人壽保險=indexed life insurance巨災再保險=catastrophe reinsurance巨災再保險=reinsurance, disaster死亡風險=mortality risk保單聲明（要保書表白事項）=policy declaration約定價值=agreed value不保事項=exception分期保險費=installment premium保單滿期日=maturity date不分紅人壽保險=non-participating life insurance重要事實=material fact風險評估=risk assessment不可續保契約=non-renewable contract費率類別（費率等級）=rating class費用率=expense ratio個人退休金計畫=personal pension scheme不保財產=exclusion property契約轉換=conversion已發生之損失=incurred losses績優費率法=merit rating績優費率法=rating, merit人壽保險：人生風險=life insurance：life risk平均餘命=expectation of life平均餘命=life expectancy繳清保險=paid-up insurance投資報酬率=yield on investments ratio失效=lapse相互壽險公司=mutual life assurance company個人年金=annuity, individual個人年金=individual annuity再保險經紀人=reinsurance broker承保項目=item保單起保日及損失發生時點=contract inception and time of loss 信用卡保險=credit card insurance輸出保險=export insurance錯誤與遺漏條款=errors and omission clause增加率=accrual rate直接損失=direct loss直接損失=direct damage免賠額條款=franchise clause保單所有人保費豁免優惠=owner waiver of premium benefit核保=underwrite核保=underwriting除斥期間=limitation推定過失=negligence, presumed推定過失=presumed negligence抗辯條款=contestable clause分進公司=assuming company分進公司=ceded company分進公司=accepting office保險=assurance保險=insurance污染除外條款=pollution exclusion風險管理人=risk manager抗辯費用=defence cost抗辯費用=defense costs拋棄繼承=disclaimer遞延給付=deferred benefits and payments遞延給付=deferred payments鍋爐保險=boiler insurance意外死亡及斷肢、喪失能力=accidental death and dismemberment（AD&D）自用汽車保險單=personal auto policy自用汽車保險單=personal automobile policy（PAP）最大善意=bona fide最大善意=uberrimaie fidei風險管理師=Fellow in Risk Management（FRM）防護及補償保險=P&I insurance防護及補償保險=protection and indemnity（P & I）insurance危險抑減=risk reduction放射性污染保險=radioactive contamination insurance押標金保證保險=bid bond押標金保證保險=bond, bid協會貨物保險條款=institute cargo clauses（I.C.C.）保單滿期=matured自負額=deductible自負額=excess汽車車體損失保險=automobile physical damage insurance受益人信託=beneficiary of trust遺族年金=death benefit only已經過期間之保費=premium earned承保處所=insured premises費率手冊=rate book費率手冊=rate manual定期保險單=term of the policy定期保險單=term policy保單貸款=loan賠款準備金=loss reserve賠款準備金=reserve, loss附加保險事故=additional perils市場價值相對於實際現金價值=market value v. actual cash value信用保險=credit insurance保險利益=insurable interest保險利益=insurance interest保險精算師=actuary讓與權利=right of assignment不定值保險單=nonvalued insurance policy不定值保險單=unvalued policy貨物保險=cargo insurance投資型保險商品=investment-linked product現值表=present value tables金融控股公司=financial holding company保單體檢=periodic reviews不可轉讓保險單=nonassignable policy放佣=rebate年繳保費=annual premium員工誠實保證保險=bond, fidelity員工誠實保證保險=fidelity bond員工誠實保證保險=fidelity guarantee insurance變額萬能壽險=universal variable life insurance變額萬能壽險=variable universal life死亡給付=death benefit專屬代理制度=exclusive agency system毛保費=gross premium毛保費=premium, gross保單=insurance policy保單=policy續保條款=renewal agreement續保條款=renewal provision海上保險=marine insurance海上保險=wet marine insurance危險保費=risk premium法定不保事項=statutory exclusions除外項目=exclusion連動式債券=structured note拒保=rejection承保集團=pool保險金額=insurance cover保險金額=insured amount保險金額=sum insured保險金額=amount insured保險金額=amount of insurance風險基礎資本規定=risk based capital（RBC）requirements 再保險佣金=reinsurance commission提前給付之死亡保險金=living death benefits未滿期保費=premium, unearned未滿期保費=unearned premium定值保險單=stated value policy定值保險單=valued policy直接原因=proximate cause意外頻率=accident frequency承保會員=underwriting member約定價值保險單=agreed value policy失能所得保險=disability income insurance臨時再保險證明書=facultative certificate of reinsurance 非比例性保險=nonproportional insurance屬人危險=personal hazard其他被保險人=other insureds保險利益條款=insurable interest clause自動增加給付=automatic increase in benefits產品責任保險=liability insurance, product產品責任保險=product liability insurance公認壽險核保師=Chartered Life Underwriter（CLU）危險評估=risk appraisal保單評價=valuation, policy復效附註條款=reinstatement memorandum清償能力=solvency表定利率=tabular interest rate學生保險=student insurance現賠=cash claim索賠公證人=claim adjuster長尾責任=long-tail liability重複投保分攤準則=nonconcurrent apportionment rules給付選擇權=options of payment巨災債券=CAT bond巨災債券=catastrophe bond抗辯期間=contestable period海事公證人=marine surveyor契約=contract倫敦勞依茲=Lloyd's of London固定收益財務工具=fixed income financial instrument變額年金=annuity, equity變額年金=annuity, variable變額年金=equity annuity(ies)變額年金=variable annuity變額年金=variable dollar annuity生效日=effective date豁免保費條款=payor provision非投資等級債券=noninvestment grade bonds家畜保險=livestock insurance保險商品=product醫療費用保險=medical expense insurance醫療費用保險=medical payments insurance定期壽險附約=term insurance rider保險單生效日=date of policy貨物運送人保險=motor truck cargo insurance不喪失解約金價值=non-forfeiture cash surrender benefit醫師專業責任保險=liability insurance, physicians and surgeons 終止條款=cancellation clause勞工災害補償=workers compensation（W.C.）暫保單=binder暫保單=binding slip暫保單=cover note暫保單=insurance cover note理賠費用=claim expense理賠費用=loss adjustment expense共保=coassurance指數型人壽保單=indexed life policies效力中止條款=suspension provision直效行銷=direct marketing彈性保費=flexible premium保戶手冊=buyer's guide政策性保險=act insurance核保利潤=underwriting profit洪水保險=flood insurance汽車第三人責任保險單=third party only policy年金保費=annuity consideration年金保費=premium, annuity年金生命表=annuity table傳統人壽保險=old line傳統人壽保險=old line life初年定期式責任準備金提存制=preliminary term reserve system保險費率=insurance rate保險費率=premium rate豁免保險費=waiver of premium（WP）保留盈餘=retained earnings罷工保險=damage from strikers insurance罷工保險=strike insurance重大過失=gross negligence重大過失=negligence, gross自留=retention勞依茲辛迪卡=Lloyd's Syndicate保單移轉=transfer航空保險=air insurance航空保險=aviation insurance地震險=earthquake insurance超額保險=excess insurance超額保險=over insurance超額保險=over-insurance人壽保險可績保性=life insurance renewability保單指定受益人=owner's designated beneficiary保險金=amount of loss保險金=policy proceeds重置成本保險=replacement cost insurance企業主管人員保險=key-executive insurance公認財務分析師=Chartered Financial Analyst複保險=double insurance複保險=overlapping insurance意外傷害保單=accident policy不沒收條款=non-forfeiture benefit（option）不沒收條款=non-forfeiture clause不沒收條款=non-forfeiture option or provision不沒收條款=non-for投資帳戶=investment account保單年度經驗=experience, policy year保單年度經驗=policy year experience連生被保險人=joint insured告知義務=duty of disclosure保險集團=insurance pool心理危險因素=hazard, morale心理危險因素=morale hazard住院、手術及醫療費用保險=hospital, surgical, and medical expense insurance自殺條款=suicide clause自殺條款=suicide provision政治風險=political risk公證人=adjuster公證人=surveyor選擇權=option非營利性保險人=non-profit insurers保本型年金=capital protected annuity營業中斷=business interruption（BI）附加保險費=loading責任保險=liability insurance投資連結型個人退休金=unit-linked personal pension人壽保險=life assurance人壽保險=life insurance現金價值壽險=cash value life insurance單一費率=flat rate單一費率=rate, flat玻璃保險=glass insurance責任限額=liability limits責任限額=limit of liability台灣地區營造綜合保險聯合小組=Committee of Contractor's All Risks Underwriters in Taiwan（C.O.C.A.R.U.I.T.）一次購足=one-stop shopping行為能力=competency行為能力=legal capacity承保事故約定=coverage, peril車體損失保險=physical damage insurance契約不為承認之補償保險=contract repudiation indemnity估價條款=appraisal clause估價條款=valuation clause保單復效=reinstatement of policy限期繳費人壽保險=life insurance, limited payment限期繳費人壽保險=limited payment life insurance查勘=inspection額外生活費用保險=additional living expense insurance理算人=adjuster定額年金=level annuity醫療照護保險=medical care insurance風險基礎資本比率=risk based capital ratio保單價值=policy value自負額條款=deductible clause十日審閱期條款=ten-day free look provision淨保費=net premium淨保費=net single premium淨保費=premium, net給付=benefit公共運送人=common carrier基本費率=basic rate保險費非法處置=illegal holding of premiums現金償還年金=annuity, cash refund事業責任保險=business liability insurance疾病保險=sickness coverage疾病保險=sickness insurance懲罰性損害賠償金=exemplary damage可保性證明=evidence of insurability拖曳費用=towing charge衍生性金融商品=derivatives罹病率=morbidity罹病率=morbidity rate獨立代理人=agent, independent獨立代理人=independent agent不可轉讓契約或保險單=nonassignable contract or policy可轉換定期壽險=convertible term life insurance人壽保險單條款=policy provisions, life保單轉讓=policy assignment輸出信用保險=export credit insurance發生年度=occurrence year保單繼續率=persistency總括保險=blanket insurance巨災=catastrophe保險人=assurer保險人=insurance carrier保險人=insurer保險人=carrier不可變更之受益人=absolute beneficiary不可變更之受益人=beneficiary, absolute不可變更之受益人=beneficiary, irrevocable不可變更之受益人=irrevocable beneficiary其他保險=other insurance社會保險=social insurance定期人壽保險=life insurance, term定期人壽保險=term life insurance已終止之保單=terminated policy保費收入=premium income職業意外事故=accident, industrial職業意外事故=industrial accident職業意外事故=occupational accident批註（條款）=endorsement營業許可證=certificate of authority保險事故=insured peril旅行平安保險=travel accident insurance承保確定=commitments風險證券化=securitization of risk專屬代理人=agent, captive專屬代理人=captive agent專屬代理人=exclusive agent危險承擔=assumption of risk危險承擔=risk assumption分紅=dividend保單年度=policy year起賠點=attachment point起賠點=excess point一般公認會計原則=generally accepted accounting principles（GAAP）連生壽險=joint life insurance已繳股本=paid-in capital航空乘客意外保險=aviation passenger accident insurance保證解約退還金=cash value, guaranteed保證解約退還金=guaranteed cash value保險單不保項目=exclusions of policy風險基礎資本=risk based capital（RBC）退休保險需求=retirement insurance needs所得平均法=income averaging免賠額=franchise免賠額=deductible, franchise免賠額=franchise deductible分出公司=cedant分出公司=ceding company保險費=charge of insurance保險費=insurance expense保險費=insurance premium保險費=premium放棄代位權條款=waiver of subrogation rights clause保險單總價值=amount of insurance to value已收保費=earned premium效力保險=efficacy insurance保險代位=subrogation承保損失=covered losses重大疾病保險=catastrophic illness insurance重大疾病保險=critical illness insurance重大疾病保險=dread disease insurance臨時再保險=facultative reinsurance臨時再保險=reinsurance, facultative承保危險=risks covered使用性質=occupancy每日定額給付=fixed daily benefit失效解約率=lapse ratio綜合率=combined ratio專屬保險公司=captive insurance company承保費用=underwriting expense契約保全=life conservation意外=casualty意外=contingent可保危險=insurable risk使用性質變更條款=change in occupancy or use clause住院他項費用給付=special services benefits暴風雨、民眾騷擾、煙燻、冰雹、航空器、機動車輛、爆炸及暴動=W. C. SHAVER 人壽保險單=life policy自然耗損=natural losses自然耗損=wear & tear契約審閱期間=cooling-off period聲明事項=declaration確定給付=payment certain理賠=claim理賠=claim adjustment船體保險=hull insurance錯誤與遺漏保險=errors and omissions insurance（E&O）共同保險規定=coinsurance provision保單責任準備金=policy reserve侵權行為=tort附條件可續保契約=conditionally renewable contract 隨支隨付計畫=pay-as-you-go plan器官移植給付=transplant benefit現值化利率=capitalization rate保險單之簽約日期=date of subscription to the policy。
Public Liability Policy Wording 公众责任条款 翻译
在 物 理 （ e ） （ i ） 您 的 法 律 控 制 和 维 护 中 使 用 的 主 动 脉 装 置 nny lilt elevator escolatot起重机cn11e航空筏装置 被保险人
（ii）被保险人的身体或法律控制中的任何车辆，或在被保险人或依其行为 从事的工作中使用的任何车辆，但本条（ii）不适用于在陪审团或为
疾病使Orisino违反了•The Insu red和/或pernsnn违反其在职业上应负的义 务，并且其合法地可能违反了被保险人的责任
支付的费用：011在被保险人，被保险人，监护人或次要人或该人的任
权力的公司或个人代表阿诺
何受抚养人的反对下
(ii) 对于人身外的财产伤害或行为
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.. ------ .. .- ...-·- -
(i) 被保险人与被保险人或通常与被保险人同住的任何成员的任何保险
{kl针对被保险人ronson对被保险人的所有权占用或对用作飞行区域的任何财 产或构筑物施加的责任而提出的赔偿责任，{或航空器提供了此类索赔 因上述用途而异的情况， ·应包括爱乐乐起飞的任何区域
--;，ouscd mainlainad-ornperatod·······--······················
·-.- ..-....--国王dom-ol-Cumbodia-llot-this-Cleuse -liiH他将要······这样
的要求--
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来自王国王国西姆·博迪亚尼·波尔森（Kim bodiaany porson）
柬埔寨王国的居民不是Tho被保险人的体力劳动者
(ii) 任何因这种工作而受雇于保险公司的人
公众责任险特约条款(英文)
01Cross Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this insurance shall apply to each insured party as if a separate policy had been issued to each party.Provided always that the aggregate liability of the Company for any one accident shall not exceed the limit of indemnity stipulated in the schedule.This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional premium:02Contractual Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium,the Company shall indemnify the Insured against any claim made in respect of liability assumed by the Insured under any contract or agreement for bodily injury of and/or property damage to any third party subject to the limit of liability stipulated in this policy provided that such contract or agreement has been declared to and approved by the Company.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:03Strike,Riot,Civil Commotion orMalicious Damage Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the insurer's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises directly caused by strike, riot,civil commotion or malicious damage.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:04Act of Terrorism Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claim made against the Insured for the bodily injury of and/or property damage to any third party at the specified premises directly caused by any terrorist or terrorism organization.This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:05Elevator and Escalator ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party in the normal operational use of the elevators or escalators at the premises specified in the Policy subject to the limit of liability stipulated in this Policy.It is warranted that the Insured shall see to it that regular inspection and maintenance of the elevators and escalators shall be carried out by qualified engineers.The amount of indemnity shall not exceed the following limit of liability.Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:06Explosion of Boilers clauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises resulting from boiler explosion due to its internal steam pressure subject to the limits of liability stipulated in this policy that the Insured has complied with all operating regulations laid down specifically for such boiler.It is warranted that the Insured shall see to it that regular inspection and maintenance of the boiler shall be carried out by qualified engineers.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:07Fire&/or Explosion legal liability clauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this policy shall be extended to cover the Insured’s liability for claims made against the insured for accidents bodily injury of and/or accidental property damage to any third party occurring at the specified premises caused by fire or explosion subject to the following limits of liability during the period of insurance.Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:08Food and Drinks Poisoning ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party which occurs during the period of insurance and arises out of poisoning by or foreign or deleterious matter in food or drink consumed in or about the premises specified in the Policy provided always that the Insured shall at all times take every possible precaution to prevent the sale or supply of any condition or free from contamination or for human consumption subject to the following limits of liability during the period of insurance.Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:09Goods and Services ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured foraccidental bodily injury or accidental property damage which occurs during the period of insurance and arises out of goods and/or services sold or supplied including transportation provided by the Insured in the normal course of the business as hold proprietor,subject to the following limits of liability during the period of insurance:Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:10Guest's Property ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for loss of or damage to the property belonging to guests or customers of the Insured whilst such property is under the custody or control of the Insured subject to a limit of Liability of_______any one guest,with the exception of losses of guests'property from safe deposit boxes contained at the premises where the maximum liability of any one guest is agreed to be_____.For the purpose of this extension the guests' property shall include clothing of such guests'sent for laundry,dry cleaning or pressing at the premises, subject always to the following limits during the period of insurance:Limit of Indemnity(a.o.a.):Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:11Tenants'Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured’s legal liability for the claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party caused by fire to the buildings leased.This Clause is subject otherwise to the terms,conditions and exceptions of this Policy.Additional Premium:12Building Alterations ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for the claims made against the Insured for accidental bodily injury of and/or property damage to any third party occurring at the premises resulting from the alterations,structural repairs,decorations and the like operations of the insured building。
商务英语高级词汇--保险
保险 - 高级accelerated benefits (noun phrase) = 提前给付amendment to a life insurance policy that allows the insured to collect benefits before death, usually in cases of extended or terminal illnessMy father's accelerated benefits helped pay for his time in the hospital.⇒未提供注释。
accidental death benefit (noun phrase) = 意外死亡保险金an agreement in a life insurance policy that the company will pay an additional amount if the insured dies an accidentMy aunt's life insurance policy included an accidental death benefit, so her family received an additional $50,000 after she died in a car accident.⇒未提供注释。
act of God (noun phrase) = 不可抗力a natural event beyond human controlMy insurance policy didn't cover the water damage to my house because the flood was an act of God.⇒未提供注释。
actual cash value (noun phrase) = 实际现金价值ACV; the cost to replace or repair a piece of property, taking into account its age and current conditionMy stereo was so old and worn out that the actual cash value was only ten percent of what I paid for it.⇒未提供注释。
CATTI笔译词汇(法律-汉译英)-
公安分局 public security sub-bureau公开审理public trial公司上市 company listing公诉词 statement of public prosecution公证机关 public notary office共同管辖 concurrent jurisdiction国际司法协助 international judicial assistance国际诉讼 international litigation国内诉讼 domestic litigation合议庭 collegial panel羁押期限 term in custody监护责任 liability of guardian监视居住 living at home under surveillance检察权 prosecutorial power鉴定结论 expert conclusion经济审判庭 economic tribunal拘传 summon by force; summon by warrant举报 report of an offence举证责任 burden of proof开庭审理 open a court session开庭通知 notice of court session勘验笔录 record of inquest看守所 detention house抗税 refusal to pay taxes劳动争议仲裁委员会 arbitration committee for labor disputes 劳改场 reform-through-labor farm劳教所 reeducation-through-labor office立案报告 place a case on file利害关系人 interested party连带责任 joint liability律师惩戒 lawyer discipline律师资格考试 bar exam; lawyer qualification exam乱罚款 quotas and fines乱收费 arbitrary charges乱摊派 arbitrary requisition of donations秘密侦察 undercover investigation民事诉讼法 civil procedural law民事责任 civil liability派出所 police station骗税 tax fraud破案 clear up/crack/solve a criminal case侵权责任 liability for tort取保候审 bail pending trial with restricted liberty of moving 缺席判决judge by default人身权利 rights of the person认定事实 determine facts上诉状 petition for appeal涉外案件 cases involving foreign interests涉外律师 lawyers specially handling foreign-related matters 申请复议 administrative reconsideration petition实物证据 tangible evidence视听证据 audio-visual reference material收容所 collecting post; safe retreat书证 documentary evidence司法部 Ministry of Justice司法建议书 judicial advice私了 settle a case out of court送达 service of process提起公诉 institute a public prosecution通缉 wanted for arrest偷税 tax evasion网上犯罪 cyber crime未成年人法庭 juvenile court委托授权书 power of attorney物证 material evidence项目融资project financing项目谈判 project negotiating刑事拘留 criminal detention刑事诉讼 criminal litigation行政诉讼 administrative litigation行政诉讼法 administrative procedural law严打斗争 strike-hard operation一审案件 case of trial of first instance侦查终结 conclusion of investigation证据保全 preserve evidence执业登记 registration for practice执业证年检 annual inspection of lawyer license仲裁案件 arbitration case仲裁机构 arbitration agency仲裁委员会 arbitration committee专职律师 professional lawyer资信调查 credit standing investigation自首 confession to justice最后裁决书 final award案件受理费 court acceptance fee案情陈述书 statement of case案由 cause of action案值 total value involved in the case办案人员 personnel handling a case辩护律师 defense attorney/lawyer辩护证据 exculpatory evidence; Defense evidence辩论阶段 stage of court debate补充答辩 supplementary answer不公开审理 trial in camera不可抗力 force majeure不立案决定书 written decision of no case-filing财产保全申请书 application for attachment; Application for property preservation撤销立案 revoke a case placed on file答辩陈述书 statement of defense打黑 crack down on evil forces打假 crack down on counterfeit goods大要案 major and serious criminal cases倒票 speculative reselling of tickets道德责任 moral obligation地区管辖 territorial jurisdiction调查笔录 record of investigation定期宣判 pronouncement of judgement or sentence later on a fixed date 定罪证据 incriminating evidence二审案件 case of trial of second instance罚款 impose a fine法定证据 statutory legal evidence法律文书 legal instruments/papers法律援助 legal aid法庭调查 court investigation法庭审理笔录 court record法院公告 court announcement高级检察官 senior procurator高级人民法院higher people’s court。
公众责任保险(94版)-英文条款
公众责任保险(1994版)条款Public Liability Insurance (1994 Version) Clause1. Scope of coverWithin the period of insurance and the scope set forth in the schedule of this insurance policy, if any third party is suffered from bodily injury or death or property loss due to accidents happened during operation of the business of the insured within its business scope, and according to law the insured shall bear the liability for economic indemnity, the insurer shall be liable for such indemnity in accordance with the following clauses.The insurer shall compensate for any legal cost paid by the insured due to the reasons mentioned above, as well as any other expenses of the insured agreed by the insurer in advance in written form.The amount of indemnity for each insured event shall be subject to the amount ought to be compensated by the insured as determined by local court or relevant governmental department according to current laws. However, in no case such amount shall exceed the indemnity limit for each insured event set forth in the schedule of this insurance policy. Within the insurance period, under the clauses of this insurance policy, the maximum indemnity liability for the abovementioned economic indemnity shall not exceed the aggregate limit of indemnity set forth in the schedule of this insurance policy.Definitions:Accident:refers to any sudden event that is unexpected and out of control of the insurer, causing property losses or bodily injury or death.2. ExclusionsThe insurer shall not bear the following liabilities for indemnity:Contractual liabilities that shall be borne by the insured, except for the liability of economic indemnity that shall still be borne by the insured without the contract;Any liabilities for the bodily injury or death or property loss suffered by any person serving the insured;Any liabilities for the loss of the following properties:Properties owned by, under the custody of or controlled by the insured or its representative or employee;Any articles, lands, houses or buildings used and occupied by the insured or its representative or employee for business purpose.Any liabilities for losses or injuries caused by:Livestock, bicycle, vehicle, locomotive, vessel, airplane, elevator, lift, moving staircase, crane, hoister or other lifting devices that is owned by, occupied by the insured or used in the insured’s name but not set forth in the schedule of this insurance policy;Fire, earthquake, explosion, flood and smoke;Air, land, water pollution and other pollutions;Defective sanitary installation, poisoning of any kind, or any unclean or harmful food or drink; Medical measures or suggestions made or accepted by the insured.Any liabilities for damages of land, properties, buildings due to quake, movement or weakening of support;Any liabilities due to direct or indirect results of war, act similar to war, act of hostility, armedconflict, terrorist activity, rebellion or coup;Any liabilities due to direct or indirect results of strike, riot, civil turbulence or malicious act; Intentional act or gross negligence of the insured or its representative;Any directly or indirect liabilities due to nuclear fission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiation and radioactive pollution;Penalty, fine or punitive indemnity;The deductible that shall be borne by the insured as agreed in the schedule of the insurance policy and relevant clauses.3. Claims settlementIn case of occurrence of any event or litigation covered under this insurance policy:Unless agreed by the insurer in writing, the insurer shall not be bound by any commitments, offers, agreements, payments or indemnities made by the insured or its representative. If necessary, the insurer shall have the right to take over the debates or claims of anylitigation in the name of the insured;The insurer shall have the right to, in the name of the insured, make claims to any liable party for the benefits of the insurer at its own account. Unless agreed by the insurer in writing, the insured shall not accept any payment or indemnity arrangements made by the reliable party for the relevant losses, or waive any right of claim towards such reliable party, otherwise, the so-caused consequence shall be borne by the insured;In the process of the litigation or claim settlement, the insurer shall have the right to handle any litigation or resolve any claims on its own discretion, and the insured shall have the obligation to provide the insurer with all and any necessary materials and assistance;The limitation period of actions of claiming for indemnity by the insured against the insurer is two years since the date when the insured know or should have known the occurrence of the insured event.4. The obligation of the insuredThe insured and its representative shall strictly fulfill the following obligations:If the insurer, prior to the conclusion of an insurance contract, inquire about the subject matter of the insurance or person to beinsured, the insurance applicant should make a full and accurate disclosure. The insurer shall have the right to terminate the insurance contract, in the case that the insurance applicant intentionally orgross negligently fails to perform such obligation of making a full and accurate disclosure specified in the preceding paragraph to the extent that it would materially affect the insurer's decision whether or not to underwrite the insurance or whether or not to increase the premium rate.The contractual cancellation right under the preceding paragraph shall be extinguished if not exercised for thirty (30) days, commencing on date when the insurer knows the grounds of termination. And theinsurer can not cancel the contract, if the contract has beenestablished for more than two years; in case of occurrence of insured event, the insurer shall bear obligation for payment of insurance benefits.If any applicant intentionally fails to perform its obligation of making a full and accurate disclosure, the insurer shall bear no obligation for making any payment of the insurance benefits, or for returning the premiums paid, for the occurrence of the insured event which occurred prior to the termination of the contract.If an applicant gross negligently fails to perform its obligationof making a full and accurate disclosure and this materially affects the occurrence of an insured event, the insurer shall bear no obligation for making any payment of the insurance benefits for any insured event occurring before the termination of the contract, but may return the premiums paid.If the insurer has known the information that the insured fails to make a full and accurate disclosure, theinsurer can not terminate the contract; in case of occurrence of the insured event, the insurer shall bear the obligation for payment of the insurance benefits.The insured or its representative should pay the premium on time in accordance with the agreement specified in the schedule of the insurance policy and the endorsement;The insured shall engage reliable, serious and qualified staff and make shall all its buildings, roads, plants, machines, fitments and other devices are in good condition and available for use. Moreover, the insured shall be subject to any laws and regulations issued by local government, immediately repair any found defects, and take provisional preventive measures to avoid happening of the insured event;In case of occurrence of any event covered under this insurance policy, the insured or its representative shall:Inform the insurer in time and report the course, cause and degree of damage in written form within seven days or within a term prolonged agreed by the insurer in writing;Not change or repair its buildings, roads, plants, machines, fitments and other devices unless inspected and agreed by the insurer;Inform the insurer in writing when any litigation is expected and delivery the court summons or other legal documents to the insurer immediately upon receipt of the same;Provide all evidences, materials and bills as the basis for claims.5. General provisions(1) Policy cancellationThis policy may be canceled at any time at the request of the insurance applicant in writing or at the option of the insurer by giving a fifteen (15) days prior notice to the insured. In the former case the insurer shall retain a premium calculated on short term rate basis for the time the policy has been in force, while in the latter case such premium shall be calculated on pro rata daily basis.(2) Claim fraudThe insurer shall have the right to cancel the insurance contract and refuse to return the premiums paid, if the insured claims that an insured event that doesn’t exist has occurred and submits a claim for payment of the insurance benefits.If the insurance applicant or the insured intentionally causes the occurrence of an insured event, the insurer shall have the right to cancel the insurance contract, bear no obligation for indemnity or payment of the insurance benefits and decline to return the premiums paid.If the insurance applicant or the insured, following the occurrence of an insured event, provides forged and altered relevant evidence, information or other proofs, falsifies the cause of the occurrence ofthe insured event or overstates the extent of the loss, the insurershall bear no obligation for indemnity or payment of the insurance benefits for the portion which is falsified or overstated.The insurance applicant or the insured shall refund or indemnifythe insurer for any payments or expenses which were made or incurred by the insurer due to the commission of any act stipulated in the foregoing three paragraphs of this Article by the insurance applicant or the insured.(3) Reasonable inspectionThe insured shall observe all the laws, rules and regulations prescribed by the public security and fire departments of the State with respect to fire prevention, safety, production, operations, labor protection, and use of the special equipment, enhance the management,and take reasonable predictive measures to avoid or reduce the occurrence of the insured event.The representative of the insurer shall at any suitable time be entitled to attend the site and inspect orexamine the risk exposure of the property insured. For this purpose, the insured shall provide full assistance and all details andinformation required by the insurer as may be necessary for the assessment of the risk. The above mentioned inspection or examination shall in no circumstances be held as any admission to the insured by theinsurer. The insurance applicant and the insured shall seriously implement any written suggestions provided by the insurer to eliminate risks and latent problems.In the event that the insurance applicant or the insured fails to abide by the foregoing agreements and due to which the insured event has occurred, the insurer shall bear no obligation for indemnity; theinsurer is not liable for indemnity for any expanding losses due to the insurance applicant or the insured’s breach of the foregoing agreeme nts.(4) Duplicated insuranceShould any loss, damage, expenses or liability recoverable under the policy be also covered by any other insurance, the insurer shall only be liable to pay or contribute its proportion of the claim irrespective as to whether the other insurance is arranged by the Insured or others on his behalf, or whether any indemnification is obtainable under such other insurance.(5) SubrogationIn the event that the losses within the insurance liability shall be indemnified by related responsible party, the insurer may from the date when the insurer pay indemnity of insurance compensation to the insured, within the scope of indemnity, subrogate the insured’s right against related responsible party for compensation, and the insured should provide the insurer with necessary documents and knowing information.If the insured has already obtained insurance compensation from the responsible party, the insurer shall pay the amount after deducting such obtained amount.If the insured waives the right of claiming for indemnity against the responsible party after the occurrence of the insured event and before the insurer making the indemnity, the insurer is not liable for indemnity; If the insured, without the insurer's consent, waives the right of claiming for indemnity against the responsible party after indemnity is made by the insurer, the waiver of the insured shall be regarded as invalid; The insurer may deduct or request the insured to refund the corresponding amount if the insurer is not able to exercise the right of claiming for indemnity by subrogation due to the insured’s intentional misconduct or gross negligence.(6) Disputes settlementDisputes arising from the execution and performance of the policy shall be settled through negotiation between the parties hereto. Should no settlement be reached, the case in dispute shall be submitted to the arbitration institution specified in the policy. Where no arbitration institution is specified in the policy or no arbitration agreement is reached after disputes, either party hereinto may bring litigation to the People’s Court with jurisdiction.Any dispute with regard to the policy should apply the law ofP.R.China (excluding Hongkong, Macao and Taiwan).。
公众责任保险(PublicLiabilityInsurance)
❖ 公众责任保险适用的范围非常广泛，其业务复杂，
险种众多。它主要包括场所责任保险、承运人责
任保险和个人责任保险等。
❖ 个人责任保险主要承保私人住宅及个人在日常生活 中所造成的损害赔偿责任。任何个人或家庭都可以 将自己或自己的所有物 ( 动物或静物 ) 或能造成损 害他人利益的责任风险通过投保个人责任险而转移 给保险人。主要的个人责任保险有住宅责任保险、 综合个人保险和个人职业保险等
❖ 中国:责任保险虽然起步较晚，但国家对公众责任保 险的发展还是比较重视的
❖ 《消费者权益保护法》，1995年国务院办公厅（国 办发1995）11号文件和公安部《公共娱乐场所消防 安全管理规定》以及1995年2月20日，国务院办公 厅批转公安部《消防改革与发展纲要》中都已明确 规定：“重要企业、易燃易爆危险品场所和大型商 场、游乐园、宾馆、饭店、影剧院、歌舞厅、娱乐 休闲等公共场所都必须参加火灾和公众责任保险
历史
❖ 1885年英国铁路乘客保险公司开办铁路承运人责任保险到 现在，一些西方发达国家的公众责任保险已经开办了100多 年，这些险种不仅已被广大民众所普遍接受，同时也早就列 入了法定保险的范畴。 在中国香港，政府出资为各类学校缴纳保险费，投保学校 公众责任保险；每宗事故的最高保额为750万港元，而索赔 次数则不作限制。 而在世界一些发达国家，责任保险费收入一般占财产保险 保费收入的20%以上，其中美国的各种责任保险的保费收入 占非寿险业务的40%至50%，欧洲一些国家的责任保险费收 入占整个非寿险保费收入的30%以上，日本等国家的责任险 保费收入约占非寿险保费收入的25%至30%。
❖ 4与传统的财产保险相比，公众责任保险不仅标的分散，保费低廉，而 且风险大。在技术、管理上对保险公司的要求较高，因此，保险公司对 发展公众责任保险的兴趣自然就不大，积极性也不高。
公众责任保险条款英文
China Pacific Property Insurance Co., Ltd.Public Liability Insurance ClausesGeneral ProvisionsProvision I This Insurance Contract (hereinafter referred to as “Contract”) consists of Insurance Clauses, Insurance Application, Insurance Policy or other Certificates of Insurance as well as such other insurance application documents, statements, comments, affixed endorsements or other written documents as related hereto. Any and all such arrangements as involved hereunder shall be made in writing.Provision II Any and all governmental agencies, enterprise and public institutions, social groups, individual economic organizations and other legally established organizations within the territory of the People’s Republic of China (exclusive of HKSAR, Macao SAR and Taiwan, the same applies below) are deemed to be qualified enough to be the Insured hereunder.Insurance coverageProvision III During the insurance period and within such scope of areas as specified herein, in case of any incident as a result of the I nsured’s negligence during the course of its running any business activities or its own business, which incident has caused third-party personal injuries and/or property damages and the sufferer(s) raises/raise claims the first time ever during the insurance period, the Insurer shall undertake to pay the indemnifications hereunder against any such indemnification liability as to be borne by the Insured in accordance with the laws of the People’s Republic of China (exclusive the laws of HKSAR, Macao SAR and Taiwan, the same applies below).Provision IV In the event of any insured accident, as a result of which either arbitration or litigation has been raised against the Insured, the Insurer shall also take such liability as to make indemnifications hereunder against any such arbitration or litigation expenses as imposed on the Insured as well as those other necessary and reasonable fees (hereinafter referred to as “Legal Fees”), which shall be paid by the Insurer as per the prior written consent.ExclusionsProvision V In the case of any of the following circumstances, the Insurer shall not undertake to pay any indemnification:(I) Such animals, bicycles, cars, locomotives, vessels of any kind, aircrafts, lifts, elevators, escalators, cranes, hoists or other lifting machinery which belong to or are in the possession of the Insured or used in its name, but not specified in the Schedule of this Insurance Policy.(II) Such products, goods and commodities as sold, marketed and/or granted for free by either the Insured or any of its employees and representatives;(III) Defective sanitary installations or poisoning of any kind or any unclean orharmful food or drink;(IV) Any claims arising from the engagement of the Insured or any of its employees in such performances as a doctor, attorney-at-law or accountant etc., which are categorized as of the special professions by nature.(V) The engagement of the Insured in any construction, installation and/or decoration projects.Provision VI The Insurer shall not undertake to pay any indemnification for any claims against such losses and damages as a result of:(I) Any such willful or grave misconducts, criminal activities or gross negligence as committed by the Insured or any of its employees and/or representatives;(II) Wars, hostile actions, military actions, armed conflicts, terrorism activities, strikes, riots and/or civil disturbances;(III) Administrative and/or judicial acts;(IV) Natural disasters;(V) Fire, explosion, fumes;(VI) Nuclear reaction, nuclear radiation, nuclear explosion and/or other radioactive contaminations;(VII) Air/land/water pollutions and other non-radioactive contaminations;(VIII) Any engagement of the Insured, any of its employees or any other person in the Insured’s name in such relevant work as appearing to be outside the acknowledged business and/or obligatory scopes.(IX)Any access to and/or use of the asbestos, asbestos products and/or other substances containing asbestos.Provision VII The Insurer shall not undertake to pay any indemnification for any claims against such losses and damages as a result of:(I)The personal injuries of the Insured or any of its employees and/or representatives;(II) Damage/loss of the property which belong to or are in the charge of or under the control of the Insured or any of its employees and/or representatives;(III) Damage/loss of any articles or land or premises or other buildings which have been using or occupying by the Insured or any of its employees and/or representatives upon the requirements of business operation or performance of obligations;(IV) The personal injuries and property damages of any person who provide service to the Insured.(V) Any such personal injuries and property damages as suffered by the client as a result of any engagement of the Insured or any of its employees and/or representatives in such assignments as processing, repairing, modifications or alternatively as a contractor;(VI) Fines, penalties or punitive damages;(VII)Any such indemnification liability that should be borne by the Insured in accordance with the contract or agreement (exclusive of the indemnification liability that should be borne by the Insured even without such contract or agreement);(VIII) The deductibles stipulated in the Insurance Policy to be borne by the Insured.Provision VIII The Insurer shall not undertake to pay any indemnification in case of any and all such other losses, damages, costs and expenses as uncovered by the insurance liability.Period of InsuranceProvision IX The insurance period of this contract is one year from 0:00 of the starting date of insurance liability to 24:00 of the expiry date of insurance liability as specified in the Insurance Policy.Limits of Indemnity and DeductiblesProvision X The Limits of Indemnity hereunder include Limit of Indemnity for Any One Accident and Accumulated Limit of Indemnity of the Insurance Policy. In addition, the Limits of Indemnity can be calculated according to other specific method as agreed. Each Limit of Indemnity shall be decided upon agreement between the Applicant and the Insurer and specified in the Insurance Policy.Provision XI Deductible for Any One Accident shall be decided upon agreement between the Insured and the Insurer and specified in the Insurance Policy.Obligations of the InsurerProvision XII The Insurer shall issue insurance policy or other certificates of insurance to the Insured in a timely manner upon the execution of this contract.Provision XIII The Insurer shall make verifications in a timely manner upon receipt of the I nsured’s claims. Further verifications may be taken by the Insurer as reasonably necessary to deal with the complicated situations. And such various ways of making compensations as set forth when applying for the insurance shall be performed by the Insurer seriously.The Insurer shall keep the Insured informed of the verification result, with the compensation obligation to be fulfilled within either ten days following the conclusion of an insurance compensation agreement with the insured or such an alternative compensation period as set forth in the Contract.Provision XIV The Insurer shall have the Applicant and the Insured notified collectively and in a timely manner as of any missing and/or incomplete claim evidences and materials, which should have been submitted by the Insured hereunder.Provision XV The Insurer shall pay in advance the amount that can be determined by the existing evidences or materials if the compensation amount cannot be determined within 60 days upon the date of receiving the notice of claim and related evidences and materials. The differences shall be made up for after the Insurer finally determines the compensation amount.Obligations of the Applicant and the InsuredProvision XVI Upon establishment hereof, the Applicant shall be obliged to providing the faithful data when completing the Insurance Application and clarifying such relevant inquiries as raised by the Insurer.If the Applicant conceals facts deliberately or fails to perform the duty of disclosure due to gross negligence that would be enough to affect the Insurer from making the decision of whether or not to agree to accept the insurance or to raise the premium rate, the Insurer has the right to terminate the contract.If the Applicant deliberately refuses to perform the duty of disclosure, the Insurer shall not undertake to pay indemnity or insurance money for insured accident that occurs before the contract is terminated and shall not return the insurance premium.If the Applicant fails to perform the duty of disclosure due to gross negligence, thereby seriously affecting the occurrence of insured accident, the Insurer shall not undertake to pay indemnity or insurance money for the insured accident that occurs before the contract is terminated but shall return the insurance premium.The Insurer shall not cancel this Contract if it’s been aware, upon establishment hereof, of any such conditions as not having been faithfully disclosed by the Applicant; in the event of any insured accident, the Insurer shall undertake to pay either indemnity or insurance money.Provision XVII The Applicant shall pay the insurance premium according to the contract. The Applicant shall pay in a lump sum before the contract takes effect if the contract provides for lump-sum premium or there is no stipulation about the method and time of payment, and shall pay the first installment in time if the contract provides for regular premium. The Insurer shall not be liable for any insurance liability until the premium is made as required by this paragraph.In failure of the Applicant to either pay the premium in time or in full, or pay the second installment of premiums or any installment thereafter, the Insurer shall, starting from the date of such default, be entitled to terminate this Contract and further to charge back both such accumulated premium plus interest as of such period for which the Insurer has undertaken the insurance liability, with this Contract to be cancelled upon notice of cancellation to the Applicant, provided, however, the Insurer shall undertake the insuranceliability for any such insured accident as having occurred prior to the cancellation hereof pro rata as per the percentage of the paid premium in the total amount of premium specified in the Insurance Policy.Provision XVIII Within the Term of this contract, the Insured shall notify the Insurer of any increased level of danger of the insurance subject in writing timely, and the Insurer shall have the right to either charge higher premium or cancel this Contract depending on the specific situation.The Insurer shall not undertake to pay any indemnification in case of any such insured accident as incurred by the failure of the Insured to give any notice and apparently increased level of danger.Provision XIX The Insured shall prevent any such incidents from taking place by remaining in strict conformity with the safety administrative regulations as of both the State and industrial levels and shall seriously implement such demands and proposals raised by the competent administrative authorities or the Insurer against potential dangers and incidents.If the Insured fails to fulfill the above obligation, the Insurer shall have the right to either charge higher premium or cancel this Contract. The Insurer shall be entitled to refuse to make any indemnification in the event of any insured accident hence incurred. The Insurer shall be further entitled to refuse to make any indemnification for any such expanded part of the indemnification liability hence incurred.Provision XX Upon receipt of a claim notice from a third party, the Insured shall：(I) Try to take necessary and reasonable measures to prevent and mitigate the losses. Otherwise, the Insurer shall not undertake to pay any indemnification for the expanded losses hence incurred;(II) Notify the Insurer in no delay and make available such written statements as to clarify the cause(s) of the accident, what has happened and the losses hence incurred. The Insurer shall not undertake to pay any indemnification for any such undeterminable part of the insured accident as of which the nature, causes and losses etc. can hardly be determined due to either willful reluctance or failure of the Insured to give such notice in a timely manner though in absence of any material misconduct, unless,however, the Insurer has otherwise promptly known, or shall have promptly known, of the occurrence of such insured accident;(III) Keep the accident scene or relevant records under proper protection and allow the Insurer to conduct investigations and provide assistance. The Insurer shall not undertake to pay any indemnification for any such undeterminable or unverifiable part of the insured accident as of which the causes can hardly be determined and the losses can hardly be verified due to such fact as that the Insurer is either not allowed to conduct, or prevented from conducting, any investigation.Provision XXI The Insured shall, upon learning of any such litigation or arbitration as to probably occur, keep the Insurer forthwith notified thereof in writing. Upon receipt of anysummons or other legal documents as served by a court, the Insured shall have the copies thereof submitted to the Insurer. The Insurer shall have the right to deal with such issues as related to the litigation or arbitration in the name of the Insured, in which case the Insured shall furnish the relevant documents and assistance as necessary.The Insurer shall not undertake to pay any indemnification in case of any such losses and damages as expanded due to failure of the Insured to furnish the above-mentioned notice or other necessary assistance.Provision XXII In the event of any insured accident, without the Insurer’s written consent, no such commitment, rejection, offer, arrangement, payment settlement and/or compensation etc. as made by the Insured to the victim and any other person acting on his/her behalf shall have any binding force on the Insurer. The Insurer shall have the right to re-verify any such amount of indemnity as acknowledged or paid by the Insured at its sole discretion. And the Insurer shall not undertake to pay any indemnification for any claim either outside the scope of insurance hereunder or exceeding the Limits of Indemnity hereunder. The Insurer shall, during the course of handling claims, have the right to deal at its sole discretion with any such claiming cases that are subject to its ultimate insurance liability, in which case the Insured shall be obliged to furnish the necessary data and assistance.Provision XXIII The Insured shall furnish in a timely manner any and all claim-relevant data and certificates to the Insurer and shall ensure that they are complete and truthful.The Insurer shall not undertake to pay any indemnification for any such undeterminable part of the insured accident as of which the insurance liability in whole or in part can hardly be determined due to failure of the Insured to fulfill the above obligation.Provision XXIV When making a claim, the Insured shall notify the Insurer of any other insurance contract related with the insurance liability under this Contract. For the overpaid insurance proceeds due to failure of the Insured to make faithful disclosures, the Insurer shall have the right to charge back such amount which shall be borne by the Insurer of other insurance contract.Claim HandlingProvision XXV When making a claim, the Insured shall provide the documents as follows:(I)Original Insurance Policy and Certificate of premium collection;(II)Claim Application；(III)Claim-relevant data as made available by such third-party or any other person acting on his/her behalf to the insured；(IV)Proof of accident provided by relevant department;(V) In case of any third-party personal injuries, the medical expense receipt, certificate ofdiagnosis and medical record, which have been issued by such medical institution as of second-class and up or recognized by the Insurer, shall be furnished in original; in case of any third-party injuries and/or disabilities, a certificate of disability degree , which has been issued by such medical institution as qualified in terms of disability evaluation in conformity with the applicable laws and legal regulations, shall be furnished in addition; in case of a third-party decease, a certificate of death, which has been issued by either the public security organ or medical institution, shall be furnished in addition.(VI) In case of any third-party property losses, an itemized list of property losses and expenses shall be furnished;(VII) The validated legal documents, including the award, court decisions, judgments and mediations etc.(VIII) Other necessary certificates and documents related with the claim provided by the Applicant or the Insured that can be used to identify the nature, cause and seriousness of the loss.Provision XXVI Indemnity made by the Insurer for any insured accident shall be subject to the economic compensation liability of the Insured decided by one of following ways:(I) Negotiation between the Insured and the third party or other claimants with consent of the Insurer;(II) Final award of arbitration agency;(III) Final judgment of the people’s court;(IV) Other settlement approved by the Insurer.After the economic compensation liability is decided by one of above-mentioned ways, the actual amount to be indemnified by the Insurer for any one accident shall minus the Deductible for Any One Accident as set forth in the insurance policy, and the total amount to be indemnified for any one accident shall not exceed the Limit of Indemnity for Any One Accident as set forth in the insurance policy.During the insurance period, the accumulated amount of indemnity made by the Insurer shall not exceed the accumulated Limit of Indemnity.Provision XXVII Unless as otherwise set forth herein, such legal charges as to be indemnified by the Insurer for any one accident shall be separately calculated apart from the amount to be indemnified for the third-party personal injuries and property losses, with no such Deductible for Any One Accident to be deducted from the indemnity, provided, however, that the total amount to be indemnified for any one accident shall not exceed the Limit of Indemnity for Any One Accident as set forth herein.Where the Insured’s compensation liability involves both the insured and uninsured accidents an d it’s impossible to clarify which accidents have incurred the legal charges, then the Insurer shall pay indemnity to cover such legal charges pro rata as per the percentage of the insurance indemnity (excluding legal charges) hereunder in the totalinsurance indemnity (legal charges) to be necessarily borne by the Insured.Provision XXVIII The Insurer shall not pay the Insured the insurance money so long as the Insured has not paid any indemnity to such third party suffering such casualties as incurred by the Insured.Provision XXIX In the event of any insured accident, if the Insured has access to multiple indemnities for its losses under any other insurance policies bearing the equal guarantees, the Insurer shall bear such liability for indemnity pro rata as per the percentage of the Limit of Indemnity hereunder in the total Limit of Indemnity based on the other insurance contracts as well as this one.The Insurer shall bear no liability for any payment of such indemnifications as confirmed to be duly payable by any other Insurer. The Insurer shall have the right to charge back any such amount of insurance money as paid excessively as a result of failure of the Insured to make faithful disclosures.Provision XXX In the event of any such losses as occurred within the scope of insurance liability, for which, however, the relevant responsible party should bear the liability for indemnifications, the Insurer shall, starting from the date of payment of the insurance money to the Insured, exercise the right of claiming such relevant responsible party on behalf of the Insured and to the extent as limited by the actual amount of indemnity made, in which case the Insured shall furnish the necessary documents to the Insurer together with any other relevant information to its knowledge.Should the Insured have obtained indemnifications from the relevant responsible party, the Insurer may have such amount as equivalent to the indemnities having been obtained by the Insured from the relevant responsible party deducted pro rata when paying the insurance money hereunder.In the event of an insured accident, the Insurer shall bear no liability for indemnification if the insured has waived any claim against the relevant responsible party even before the Insurer has not paid any insurance money. Once the Insurer has paid the Insured the insurance money, any such action taken by the Insured as to have waived any claim against the relevant responsible party without the Insurer’s consent shall be deemed null and void. The Insurer may either deduct or request refunding of the equivalent amount of such insurance money in the event of the Insurer’s failure to exercise the claiming right on behalf of the Insured due to the latter’s willful reluctance or gross negligence.Provision XXXI The Insurer shall not be liable for any increased losses, expenses or compensation liability concerned with the insured accident after the case has been closed;Where one insured accident involves several third parties, the Insurer may make compensation first to certain third parties for whom the amounts of indemnification have been decided by the Insurer and the Insured. After the compensation, the Insurer shall not be liable for any increased indemnity related with such third parties.Provision XXXII The Insurer shall pay in advance the amount that can be determined bythe existing evidences or materials if the compensation amount cannot be determined within 60 days upon the date of receiving the notice of claim and related evidences and materials. The differences shall be made up for after the Insurer finally determines the compensation amount.Provision XXXIII The Insured shall have a 2-year valid litigation term to raise claims to the Insurer for insurance money, which term shall commence as of the date when it has known or should have known of any such insured accident as occurred.Dispute Settlement and Applicable LawProvision XXXIV Any dispute arising from the performance of this Contract shall be solved through consultation by both Parties; in case of failure of consultation, both Parties agree to refer the dispute to arbitration agency as set forth in the insurance policy for arbitration. If no arbitration agency is appointed by the both Parties in the insurance policy and no arbitral agreement reached afterwards, the both Parties may opt to institute an action to the People's Court of the People’s Republic of China.Provision XXXV T he laws of the People’s Republic of China are applicable to any dispute arising from this Contract.Additional ProvisionsProvision XXXVI Upon establishment hereof, the Applicant may demand this Contract be cancelled, in which case the Insured shall raise a written application to the Insurer, and this Contract shall be terminated upon receipt of such written application by the Insurer.Provision XXXVII Upon establishment hereof, should the Insurer demand this Contract be cancelled according to the Insurance Law or the provisions set forth herein, this Contract shall be terminated upon delivery of the notice of contract cancellation to the latest correspondence address of the Applicant, unless as otherwise stipulated by the Insurance Law or set forth herein.Provision XXXVIII Should the Applicant demand to cancel this Contract before the commencement date of insurance liability as specified in the insurance policy, the Applicant shall be charged by the Insurer an amount equivalent to 5% of the premium as of the handling fees, and the Insurer shall cause the premium collected to be refunded to the Insured.Should this Contract be cancelled after the commencement date of such insurance liability as specified in the insurance policy, the Insurer shall have the unearned premium refunded to the Applicant unless as otherwise set forth herein.Should there be any insured accidents left unsettled hereunder upon cancellation hereof, the Insurer may have the unearned premium refunded to the Applicant after indemnification settlement.DefinitionsProvision XXXIX Unless as otherwise set forth herein, the following terms as appliedherein shall bear such meanings as given below:An individual economic organization refers to any one of those individual businesses in the presence of business license after registrations at the local industrial and commercial administrative authorities.Other legally established organizations refer to any such institutions, which are established in conformity with the legal registration procedures and which perform activities within such scope of business as registered.Accident refers to any such event as unpredictable and uncontrollable to the Insured, which may take place unexpectedly and incur property losses and/or personal injuries.A Third Party refers to any other natural person, legal person or other organization than the Insured and its employees and representatives.The I nsured’s representative refers to any such other person or organization, who/which performs such relevant activities as either delegated by the Insured or under an agreement concluded with the Insured, sharing direct relations with the scope or nature as of the I nsured’s business or activities, even though such person or organization may not be the I nsured’s employee or part of its business organization.Personal injuries refer to death, disability of limbs, organ functional failures and other injuries causing impacts on the healthy human bodies.Property losses refer to the material damages of the tangible assets, including the consequential un-usability of the property involved and/or loss of the value-in-use of any tangible assets even without any material damage thereupon.Natural disasters refer to any such natural phenomena as irresistible to the human beings, including thunder storms, downpours, floods, snow storms, hails, sand storms, ice disasters, debris flows, rock collapses, sudden landslides, volcanic eruptions, sudden land collapses, earthquakes and tsunamis etc.Any one accident refers to one such insured accident, which involves one or more third parties or other claimants who raise claims against the Insured either separately or jointly based on the same causes, and which is categorized as one item of claim or one series of claims or litigation under the civil laws, and which is deemed to be one insured accident hereunder, or simply referred to herein as “Any one ac cident”.Unearned premium refers to any such premium as of the remaining insurance period, which shall be refunded by the Insurer. The unearned premium shall be calculated as follows:Unearned premium = Annual premium X (number of days of the remaining insurance period/number of days of the insurance period) X (the accumulated limit of indemnity– the accumulated amount of indemnity)/ the accumulated limit of indemnityInsurance period refers such period as from 0:00 of the starting date of insurance liability to 24:00 of the expiry date of insurance liability as specified in the Insurance Policy.。
社会政治与经济类英语热点词块翻译（4）
社会政治与经济类英语热点词块翻译(4)NNational 国家的，国民的national accounting firm 全国性会计公司national assets 国家资产national balance sheet 国家资产负债表national bank 国家银行national bond 国家债券national brand 国家名牌national capital 国家资本national debt management 国债管理national economic budget 国民经济预算national economic plan 国民经济计划national finance 国家财政national income 国民收入national insurance 国家保险national monopoly 国家垄断national policy 国家政策national treatment 国民待遇Nationalization 国有化nationalization of enterprise 企业国有化nationalization of communication 通信国有化nationalization of railroad 铁路国有化Nationalize 收归国有Nationalized 国有化的nationalized bank 国有银行nationalized monopoly 国有化垄断Natural 自然的，天然的natural calamities 自然灾害natural capital 自然资本natural economy 自然经济natural resources 自然资源Negative 负的，相反的negative assets 负资产negative capital 负资本negative credit 负信用negative factor 负因素negative growth rate 负增长率negative vote 反对票Negotiate 商谈，谈判negotiated 商谈的Negotiating 买卖谈判negotiating terms 买卖谈判小组Negotiation 谈判Net 净的net amount of operating loss 营业损失净额net assets 净资产net assets value per share 每股资产净值net balance 净差额net book value of fixed assets 固定资产帐面净值net capital gain 资本净收益net capital to debt ratio 净资产与债务比率net cash flow 净现金流量net current assets 净流动资产net earning 净收益net income after tax 税后净收入net income before tax 税前净收入net income from operation 营业净收入net liability 净负债net loss 净损失net margin 净利net national debt 国债净额Net Natinal Product(NNP) 国民生产净值net present value 净现值net profit after tax 税后净利润net profit or loss 净损益Network 网络information network 信息网络Ninth Five-Year Plan 九五计划Nominal 名义上的nominal assets 名义资产nominal capital 名义资本Non 非..., 不...non-accepted bill 不认付票据non-bank financial institution 非银行金融机构non-business property 非营业资产non-cash assets 非现金资产non-cash settlement 非现金结算non-financial business 非金融企业non-governmental entity 非政府机构non-ledger assets 帐外资产non-linear relation 非线性关系non-market factor 非市场因素non-nationalization 非国有化non-operating profit 非营业利润non-profit firm 非营利公司non-registered bond 不记名债券non-registered stock 不记名股票non-state economic sectors 非国有经济部门Noncurrent 非流动的noncurrent asset(NCA) 非流动资产noncurrent liability(NCL) 非流动负债Normal 正常的normal distribution curve 正态分布曲线normal year 正常年度Normed 定额的normed current fund 定额流动资金normed deposit account 限额存款帐户Note 票据，纸币note issuance 货币发行note receivable 应收票据Notice 布告，通知bankruptcy notice 破产公告notice of claim 索赔通知notice of invitation for bids 招标公告OObject 目标，对象，物体object cost 目标成本Objective 目标的，客观的objective factor 客观因素objective laws 客观规律objective value 客观价值Objectivity rule 客观原则Obligation 责任，义务obligation of contract 契约义务Obsolete 过时的，陈旧的，不使用的obsolete equipment 陈旧设备Occupation 占有，职业Occupied 占有的，有职业的occupied rate of current capital 流动资金占有率Occupy 占有Offer 提供，报价，发盘blind offer 盲目要价offer price 要价Office 办公室，办事处，事务所Official 官方的，正式的，官员official approval 官方批准official capital 官方资本official exchange rate 官方汇率，法定汇率official holiday 法定假日official list 官方牌价official seal 官方印章officials at various government levels 各级政府官员On job training 在职训练Open 打开，开放open an account 开设帐户open bid 公开招标open coastal cities 沿海开放城市open competition 公开竟争open door policy 开放政策open domestic market 开放国内市场open economy 开放的经济open-door to the outside world 对外开放Opening up 扩大开放reform and opening up policy 改革开放政策Operating 营业，经营operating capital 经营资本，流动资本operating cost 经营成本operating deficit 营业亏损operating income 营业收入operating license 营业执照operating performance 经营效绩operating profit 营业利润operating strategy 经营战略Operation 经营，营业，操作operation and management 经营和管理operation of capital 资金的运用Operational 经营的operational losses 经营性亏损operational mechanism 经营机制operational research 运筹学Opinion 意见，看法opinion polls 民意测验Opportunity 机会Optimize 优化optimize capital structure 优化资本结构Optimum 最佳的optimum portfolio 最佳投资组合Option 期权，选择权Black-Scholes Option Pricing Model Black-Scholes 期权定价模型call option 买方期权put options 卖方期权( in the money ) 沽盈价( out of the money ) 沽亏价Order 定货，定单，秩序new international economic order 国际经济新秩序Ordinary 普通的，平常的ordinary share 普通股Organization 机构，组织Organizational 组织的，编制中的organizational chats 组织结构图organizational goals 组织目标organizational structures 组织结构Organized 有组织的Organizer 组织者Organizing 组织organizing ability 组织能力Original 初始的，原本的，正本original capital 原始资本original cost 原始成本original evidences 原始凭证original investment 原始投资original invoice 原帐单，原发票Other 其它的other assets 其它资产other income 其它收入other liability 其它负债Out 在...之外out of balance 不平衡out of control 失去控制out of order 失灵，失效out of service 报废out of work 失业Out-dated 落后的，过时out-dated management styles 落后的管理方式Output 输出，产出output method of depreciation 产量折旧法Outside 外面outside capital 外部资本outside dealing 场外交易Outstanding 未兑现的，未偿清的，未完成的，杰出的outstanding account 未清帐目outstanding debt 未清债务outstanding loan 未偿还贷款outstanding obligation 未偿还债务Over 超过，在...之上over capitalization 资本过剩over production 生产过剩Over-the-counter (OTC) 场外交易，柜台交易over-the-counter dealings 场外交易over-the-counter market 场外交易市场Overall 全面的，总的，综合的overall average 总平均overall balance 总余额overall economic situation 总的经济形势overall demand and supply 总需求和总供给Overbid 过高出价Overcharge 要价过高Overdraft 透支overdraft interest 透支利息overdraft on bank 向银行透支Overdue 过期的overdue bill 过期票据Overhead 间接费用overhead account 间接费用帐户overhead cost 间接成本overhead expenses 间接费用，经常费用Overheated economy 过热的经济Overseas 海外的overseas branch 海外分支机构overseas assets 海外资产overseas company 海外公司overseas investment 海外投资overseas market 海外市场Overtime 加班时间，额外时间overtime and night differential 加班费和夜班补助Owe 欠（债）taxes owed 应交所得税wages owed to employees 应付职工工资Own 自有，拥有Owner 所有人，物主owner equity 业主权益owner of patent 专利所有人owner’s capital 自有资本Ownership 所有制，所有权collective ownership 集体所有制ownership by the entire people 全民所有制ownership certificate 所有权证书ownership of trade mark 商标所有权ownership system 所有制PPackage 一揽子，包，包装package agreement 一揽子按排，一揽子方案package deal 一揽子交易package mortgage 一揽子抵押贷款package program 一揽子计划Packaged 体揽子的，包装好的package investment 一揽子投资packaged transfer 成套转让Paid 付清的paid cash book 现金支出帐paid check 已付支票paid debt 已还清的债务paid off 付清Paid-in 已缴的，已收到的paid-in capital 实收资本paid-in surplus 缴入公积Paid-up 已缴纳的，已付清的paid-up capital 已缴清的资本paid-up loan 已还清的贷款Paper 纸，纸币，票据，论文paper gold 特别提款权，纸黄金paper money 纸币，票据paper profit 帐面利润paper title 所有权证书Par 与票面价值相等的par issue 平价发行par rate of exchange 平价汇率par value 票面价值，平价Parallel departmentation 平行式的部门划分Parameter 参数Parent 母体，父母parent company 母公司，总公司parent firm 母公司，总公司parent-subsidiary 母公司---子公司Parity 等价，平价，比价parity price 平价parity rate of commodity 商品比价Participating preferred stock 参加分红的优先股Participative management 参与管理Partner 合伙人partner’s equity 合伙人权益Partnership 合伙关系，合伙制general partnership 一般合伙limited partnership 有限责任合伙partnership agreement 合伙契约，合伙协议partnership assets 合伙资产partnership capital 合伙资本partnership enterprise 合伙企业partnership property 合伙财产Patent 专利，专利权patent agent 专利代理人patent application 专利申请patent fee 专利费patent licensing 专利许可patent rights 专利权Patentee 专利权所有人Pay 付钱，付款，偿还，工资pay back period 还本期pay bill 工资单pay check 付工资的支票pay cut 工资削减pay duty 纳税pay freeze 工资冻结pay in 缴款pay in cash 现金支付pay off 清偿pay out 支出pay up 付清Payable 应付的payable account 应付帐目，应付帐款Payback period of investment 投资回收期Payment 付款，支付payment abroad 境外付款payment after delivery 货到付款payment in advance 预付payment in cash 现金支付payment in stock 用股票支付Payroll 工资单P/E ratio 市盈率Penalty 罚款administrative penalty 行政罚款Penny stock 低价股票Pension 退休金，养老金pension fund 养老基金，退休基金Per capita 人均per capita annual income in cities and towns 城镇人均年收入per capita annual net income in rural areas 农村人均年收入per capita assets 人均资产per capita gross domestic product 人均国内生产总值per capita growth 人均增长per capita income of rural residents 农村人均收入per capita income of urban residents 城镇人均收入Per share 每股asset value per share 每股资产值multiple of book value per share 每股帐面资产比multiple of cash flow per share 每股现金流比multiple of sales per share 每股销售比Percentage 百分比percentage depletion method 百分比折耗法percentage of utilization of fixed asset 固定资产利用率Perfect 完全，完美perfect competition market 完全竟争市场perfect monoply 完全垄断Perform 履行perform a contract 履行会同Performance 执行，履行，完成，性能，业绩performance appraisal 效绩评价performance audit 业绩审计performance evaluation 业绩评价performance rating 业绩评级performance report 业绩报告performance record 业绩记录Period 周期period cost 期间成本period of depreciation 折旧期数period of production 生产周期Periodical 周期的，定期的periodical deposit 定期存款periodical inspection 定期检查Permanent 永久的permanent assts 永久性资产permanent income 长期收入Personal 个人的personal account 个人帐户personal capital 个人资本personal holding company 私有股份公司personal income tax 个人所得税personal investment 各人投资personal liability 个人责任personal property 个人财产Personnel 人员，全体雇员personnel administration 人事管理personnel department 人事部门personnel management 人事管理personnel system 人事制度Petty cash 零用现金petty cash account 零用现金帐户petty cash fund 零用备用金Phase 阶段Physical 物理的，实际的physical assets appraisal 实物资产评估physical capital 有形资本physical depreciation 实物折旧，有形损耗physical holding of stock 实际库存physical inventory 实物盘存Piece 件，片，块piece work system 计件工资制piece worker 计件工人Pilot 领航员，带路人，新产品试制pilot project 试点项目pilot program 试点计划Planned 按计划的planned budget 计划预算planned economy 计划经济planned figures 计划数字，计划指标planned purchase and supply by the state 国家统购统销planned target 计划目标Planning 计划，规划planning committee 计划委员会planning department 计划管理部门planning management 计划管理planning system 计划管理体制Plant 工厂plant idleness 工厂闲置设备Pledged 抵押，保证pledged assets 抵押资产Pillar 支柱pillar industry 支柱产业Plow back （利润转为）再投资plow back earnings 再投资收益plow back profit 再投资利润Plus tick 股票交易价格向上浮动Point-of-sale 销售点Point-of -sale system(POS) 商业销售POS系统Pollution 污染pollution control regulation 环境保护规定Pool 合伙经营，联合Pooling 联营，汇集，合并pooling of interest 利益共享，共同经营Poor 贫穷的，粗糙的poor management 管理不善Population 人口population base 人口基数population distribution 人口分布Portfolio 投资组合（投资证券时购买多种不同股票，债券以减少风险）portfolio investment 证券投资portfolio management 证券投资管理portfolio strategy 投资组合战略portfolio theory 投资搭配理论Position 状况，立场，位置，职位capital position 资金状况Positive 正的，积极的positive capital 正资本positive cash flow 正向现金流positive growth 正增长Possession 所有，拥有，所有权actual possession 实际所有权unlawful possession 非法所有，不合法所有Possessory 所有的possessory right 所有权Potential 潜力，潜在的potential competition 潜在竟争potencial demand 潜在需求potencial market 潜在市场potencial value 潜在价值Poverty 贫困absolute poverty 绝对贫困eliminate poverty 消除贫困shake off poverty 摆脱贫困Power 权，能力，力量power of appointment 任命权power of interpretation 解释权power of sale 销售权Practice 实践，惯例international practices 国际惯例Predatory 掠夺性的predatory dumping 掠夺性倾销predatory price cutting 掠夺性竟争削价Prediction 预测economy prediction 经济预测Preference 优先，优惠preference bond 优先债券preference share 优先股Preferential 优先的，优惠的preferential interest rate 优惠利率preferential loan 优惠贷款preferential right 优先权preferential transfer 优先转让Preferred 优先的preferred creditor 优先债权人preferred dividend 优先股息preferred ordinary stock 优先普通股票preferred share 优先股preferred stock premium 优先股溢价preferred stockholder equity 优先股股东权益Preliminary 初步的，预备的preliminary expenses 开办费preliminary prospectus 初步募股书preliminary planning 初步规划Premium 溢价premium bond 溢价债券premium pay 加班费Prepaid 已预付的，先付的prepaid assets 递延资产prepaid deposit 预付定金prepaid expenses 预付费用prepaid interest 预付利息Present 现在的，目前的present capital value 资本现值present value 现值present value approach 现值法Pretax 税前的pretax earnings 税前利润pretax income 税前收入pretax rate of return 税前回报率Prevent 防止Price 价格buying price 买价catalog price 目录价格closing price 收盘价格comparable price 可比价格competitive price 竟争价格cost price 成本价格duty-paid price 完税价格futures price 期货价格issue price 发行价格opening price 开盘价格price adjustment 价格调整price analysis 价格分析price elasticity 价格弹性price index 价格指数price indexation 价格指数化price level 价格水平price limit 价格限制price stabilization policy 稳定价格政策price support 价格补贴price system 价格体系price war 价格战price-eanings(P/E) ratio 收益率Pricing 定价capital asset pricing model 资本资产定价模式pricing strategy 定价策略Primary 初级的，最初的primary business 主营业务primary data 原始数据primary goods 初级产品primary market 初级市场primary products 初级产品Prime 基本的，首要的，最初的prime assets 主要资产prime contractor 总承包商prime cost 主要成本，直接成本prime paper 最佳股票prime rate 优惠利率Principal 本金，本金的principal and interest 本金和利息principal stockholder 主要股东Principle 原则，原理principle of accounting 会计原理，会计原则principle of equality and mutual benifit 平等互利的原则principle of openness and fairness 公开和公正的原则principle of profit maximization 利润最大化原则Priority 优先级Private 私人的，私营的，私有的private capital 私人资本private company 私营公司private corporation 私营公司private enterprise 私营企业private limited partnership 私人有限公司private loan 私人贷款private ownership 私人所有制，私有制Privatization 私有化，私营化Privilege 优惠，特权Privileged 特许的，有特权的Probability 概率，机率probability density function 概率密度分布函数probability distribution 概率分布probability mass function 概率群分布函数probability theory 概率论Procedure in bankruptcy 破产程序Proceedings in bankruptcy 破产诉讼Processing 处理，加工processing industry 加工工业processing on order 来料加工processing trade 加工贸易Produce 生产Producer 生产者，厂家producer price index 生产者价格指数Product 产品product cost 产品成本product line 生产线Production 生产，产品Productive 生产性的productive assets 生产性资产productive capacity 生产能力production power 生产力Professional 专业的，专门的professional accountant 专业会计professional company 专业公司Profit 利润，盈利annual profit 年利润meager profit 微利，薄利profit after taxation 税后利润profit and loss account 损益帐profit and loss statement 损益表profit distribution 利润分配profit from operating 营业利润profit from sale of fixed assets 出售固定资产的收益profit on operation 经营利润profit on sale 销售利润profit or loss on exchange 汇兑损益profit paid to the state 上交国家利润profit rate 利润率profit ratio of capital 资本利润率profit ratio of paid-in capital 实收资本利润率profit realized 实现利润profit-making enterprises 盈利企业Profit Impact of Market Strategy (PIMS) Progressive rate 累进税率Project 项目，方案，计划project appraisal 项目评估project budget 项目预算project capital system 项目资本金制度project loan 项目贷款project management 项目管理Promotion 推销，提升sales promotions 促销consumer sales promotions 消费者销售促销Propel 推进propel reform 推进改革Property 财产，所有权property account 财产帐户property accounting 财产会计property and assets 财产与资产property damage 财产损失property in land 土地所有权property income 财产收入property rights 产权property rights transfer agency 产权转让机构（产权交易所）property tax 财产税Proprietary 所有人的，财产权proprietary interest 业组权益proprietary lease 产权租赁Proprietor 业主Proprietorial right 所有权Proprietorship 业主权，独资，一人拥有全部财产的业主Prospective 未来的，预期的prospective earnings 预期收益prospective market 未来市场Prospective yield 预期收益Prospectus 招股说明书protect 保护，防护protect the interests of investors 保持投资者的利益protect national resource 保护自然资源Protection 保护，防护Protective 保护的protective inport duty 保护性进口税protective measures 保护措施protective price 保护价格Protest 拒绝承兑protest note 拒付通知Public 公开的，公共的public accountant 公共会计师public corporation 股份有限公司public company 股份上市公司public employee 公职人员public housing 供低收入家庭租用的政府住房public interest 公共利益public ownership 公有制public property 公共财产public relation 公共关系public utility 公用事业，公共事业public works 政府公共建筑Purchase 购买purchase and marketing price differentials 购销价差purchase capital 用于购买企业和投资的资金Purchasing 购买，采购purchasing power index 购买力指数purchasing power of the dollar 美元购买力purchasing power of money 货币购买力Purpose 目的purpose of appraisals 评估目的QQualification 资格，资格证书qualification certificate 资格证书Qualified 合格的，能胜任的qualified accountant 合格的会计师Qualitative 定性的，质量的qualitative analysis 定性分析qualitative control 质量控制Quality 质量，品质quality analysis 质量粉析quality assurance 质量保证quality circle 质量圈quality control 质量控制quality guarantee 质量保证quality management 质量管理Quantitative 定量的，数量的quantitative analysis 定量分析quantitative credit control 贷款数量控制Quantity 数量Quantum 数额，数，总额Quarter 季度，四分之一Quarterly 季度的quarterly balance sheet 季度负债表Quick 快速的quick assets 速动资产，可快速兑现的资产quick ratio 速动比率Quit 退出，辞职Quota 配额，限额import quota 进口配额export quota 出口配额Quotation 报价Quoted price 牌价，报价RRaise 增加，提高raise a loan 借款raise a price 加价raise capital 集资，招募资本raise foreign funds 募集外资raise money 募捐，筹款Random 随机，偶然random event 随机事件random error 随机误差random sampling 随机抽样，随机采样Range 范围，区域range of price 价格幅度Ranking 等级，顺序Rate 比率，率floating exchange rate 固定汇率official rate 官方汇率rate of accumulation 积累率rate of depreciation 折旧率rate of discount 贴现率rate of growth 增长率rate of increment 增长率rate of inflation 通货膨胀率rate of margin 毛利率rate of profit 利润率rate of return 回报率rate of return on equity 股本收益率rate of saving 储蓄率rate of taxation 税率rate of turnover 周转率rate of unemployment 失业率Rating 评定等级Ratio 比率activity ratios 经营比率capitalization ratios 资本结构比率debt to equity ratio 负债股本比率liquid ratios 变现比率price earnings ratio 市盈率profitability ratios 盈利比率ratio of current assets to fixed assets 流动资产与固定资产比率ratio of current assets to current liability 流动资产与流动负债比率ratio of equity(ROE) 股本利润率ratio of sales(ROS) 销售利润率Raw material 原材料Re-employment 再就业Real 真实的real assets 实资产real capital 实际资本real cost 实际成本real earnings 实际收益real growth rate 实际增长率real property 不动产，房地产real value of money 货币实际购买力Real estate 不动产，房地产real estate account 房地产帐户，不动产帐户real estate and property 不动产和其它财产real estate investment 不动产投资real estate mortgage bond 不动产抵押债券real estate pool 不动产投资共同基金real estate tax 房地产税，不动产税Realizable 可变现的realizable value 可变现价值Realization 变现realization and liquidation 变产清盘Reallocation 再分配Reappraisal 重新评估reappraisal surplus 重估价盈余Reasonable 合理的reasonable price 合理价格Rebate 回扣，退税Recapitalization （企业重组）调整资本结构Receipt 收据Receivable 应收的receivable account 应收帐款receivables turnover 应收帐款周转率Recession 经济衰退Reciprocal 互惠的，相互的reciprocal agreement 互惠协定reciprocal contract 互惠合同reciprocal duties 互惠关税reciprocal holdings 互相控股reciprocal trade 互惠贸易Recomputation 重新计算Record 记录Recourse 追索权Recover 索回，弥补Recoverable 可收回的recoverable cost 可收回成本recoverable debt 可收回债务recoverable loss 可收回损失Recovery 收回，恢复Recruitment 招聘Red balance 赤字结余Redemption 偿还，赎回Rediscount 再贴现rediscount rate 再贴现率Redistribution 再分配Reduce 减少Reduction 减少reduction of interest 降低利率Reference 参考，推荐信，介绍书reference number 参考数字reference price 参考价格Reform 改革reform measures 改革措施reform of state-owned enterprises 国有企业改革reform of the economic system 经济体制改革reform of the property rights system 产权制度改革speed up reform 加快改革Refund 退货，退款Region 地区central and western regions 中西部地区Regional 地区的，局部的regional economy 地区经济regional government 地方政府Register 登记，注册Registered 注册的，登记的registered bond 记名债券registered capital 注册资本registered share 记名股票Registration 登记，注册registration form 登记表registration of establishment 开办登记registration of property right 产权登记registration statement 股票注册上市申请书Regression analysis 回归分析Regessive tax 递减税Regular 定期的，有规则的regular expenses 经常费用regular-way delivery 例行交割Regulated 控制的，规定的regulated company 受控制公司regulated industry 受（政府）管辖行业Regulation 条例，规章Regulatory framework 规章制度Reinsurance 再保险reinvestment 再投资Relation 关系relation of production 生产关系Relationship 关系relationships among reform,development and stability 改革，发展和稳定的关系Relative 相对的，相关的relative balance 相对平衡Reliability 可靠性reliabilty of data 数据的可靠性Relief 救济relief fund 救济金Renewal 更新，续约renewal and reconstruction funds 更新改造基金renewal expenses 更新费用renewal of equipment 设备更新Rent 租，房租，租金Rental 租金，租赁rental expenses 租金费用rental property 租赁财产Reorganization 重组，改组Repair 修理Repayment 还款，偿还repayment analysis 偿债分析repayment of debt 偿还债务Replacement 重置，更换replacement assets 重置资产replacement cost approach 重置成本法replacement current cost 重置现行成本replacement method of depreciation 重置成本折旧法replacement price method 重置价格法replacement value 重置价值Repledge 再抵押Report 报告report of changes in assets condition 资产状况变动报告Reporting 申报reporting form 申报报表Representative 代表，代理人Reproduction 再生产reproduction cost 再生产成本reproduction of capital 资本的再生产reproduction on an enlarged scale 大规模再生产Repurchase 回购repurchase price 回购价格Request 请求，申请书Required 要求的required rate of return 要求的回报率Requirement 必须品，要求Resale 转售，倒卖Rescheduling 重新安排rescheduling loans 重新安排贷款rescheduling of payment 重新安排贷款偿还期限Research 研究research and development (R&D) 研究与开发research and extension 研究与推广research of investment feasibility 投资可行性研究research on markets 市场研究research on state-owned property 国有资产研究Reserve 准备金，储备reserve account 准备金帐户reserve balance 储备余额reserve bank 储备银行reserve capital 储备资本reserve currency 储备货币reserve fund 储备基金required reserve 规定的准备金Reserved 预备的，保留的reserved capital 保留资本reserved profit 保留利润reserved surplus 保留盈余Residual 余额，残值residual assets 剩余资产residual equity 剩余权益residual interest 残值residual value 残值Resource 资源，财力resource allocation 资源配置resource utilization 资源利用Responsibility 责任responsibility for one’s own profits and losses 自负盈亏responsibility system 责任制Restriction 限定，限制restriction of credit 信贷管制restriction of import 进口限制Restrictive 限制性的restrictive cause 限制性条款restrictive measure 限制性措施Restructure 改组Restructuring 改组，结构改造Retail 零售retail price index 商品零售价格指数Retained 保存的，保留的retained balance from foreign exchange revenue 外汇收入留成额retained earnings 留存收益，留存盈余retained foreign exchange account 留存外汇帐户retained funds 留存资金retained income 公积金retained surplus 留存盈余Retirement 退修，退役，报废retirement fund 退休基金retirement income 退休收入retirement of assets 资产报废retirement pension 退休金retirement system 退休制度Return （投资）收益，偿还，退货return and compensate 退赔return of equity 资本利润率return on assets 资产收益率return on capital 资本收益return on investment 投资收益，投资回报return on investment ratio 投资回报率return on net worth 净值报酬率return on shareholder’s equity 股东权益收益率return on tangible asset 有形资产收益率return on total assets 总资产收益率Revaluation 重估价值revaluation of asset 资金重估revaluation of fixed assets 固定资金重估Revenue 收入，营业收入，收益revenue above the line 预算内收入revenue account 营业收入账户revenue and expenditure in balance 财政收支平衡revenue assets 收益资产revenue distribution 收益分配revenue income 收益，收入tax revenue 税收收入Revolving 周转的，循环的revolving credit 周转信贷revolving fund 周转基金Right 权利，法权right of credit 债权right of disposal 处置权right of disposition 处理权right of monopoly 专利权right of ownership 所有权right of patent 专利权right of possession 占有权right of priority 优先权right of resale 转售权right of trade mark 商标权Risk 风险risk analysis 风险分析risk capital 风险资本risk cost 风险成本risk free rate 无风险利率risk investment 风险投资risk management 风险管理risk sharing 风险分担risk-control mechanism 风险控制机制Rule 条例，法规，规则rule of fair trade 公平交易原则rules for registration of company 公司注册章程Rural 农村的，农业的rural credit cooperatives 农村信用社Rush season 旺季SSafeguard 保护，保障safeguard measures 保障措施safeguard property rightsSalary 薪金，工资salary differential 工资差别salary range 工资幅度salary supplements 附加工资Sale 销售charge sale 赊销sale account 销售帐户sale at discount 折价销售sale at premium 溢价出售sale at deduced price 减价出售sale commission 销售佣金sales tax 营业税sales revenue 销售收入Salesman 销售人员Sample 样品sample data 抽样数据Sampling 采样，抽样sampling analysis 抽样分析sampling check 抽样检查sampling investigation 抽样调查sampling rate 采样率Sanction 制裁trade sanction 贸易制裁Saving 储蓄，节约high savings 高储蓄率saving account 储蓄帐户saving bond 储蓄公债saving fund 储蓄基金saving ratio 储蓄率savings bank 储蓄银行Scale 规模，尺度Schedule 安排，日程表，计划表，明细表schedule of accounts payable 应付帐款明细表schedule of accounts receivable 应收帐款明细表schedule of capital 资本明细表schedule of depreciation 折旧明细表Scheme 方案，规划Scope 范围scope of business 经营范围，营业范围Seal 印，印章，封条seal of company 公司印章Seasonal 季节性的seasonal adjustment 季节性调整seasonal labour 季节工seasonal unemployment 季节性失业Secondary 第二的，从属的secondary account 次级帐户secondary boycott 间接抵制secondary industry 第二产业secondary mortgage 二次抵押secondary securities market 二级证券市场Sector （经济）部门sector of economy 经济部门sector of national economy 国民经济部门sate-owned industrial sector 国有工业部门Secure 保证，担保，作保Secured 有担保的secured account 担保帐户secured creditors’ right in bankruptcy proce edings 破产中的有保证债权secured loan 担保贷款Securities 证券，股票securities act 证券管理条例securities analysis 股市分析securities and investment 证券与投资securities company 证券公司Securities and Exchange Commission 证券交易委员会securities exchange tax 证券交易税securities issue 证券发行securities market 证券市场Security 担保，保证，保证金，安全security deposit 保证金security rating 股票，证券的信用风险评级security right 担保权Self 自我的（前缀）self-employed 个体经营者self-employment income 自营收入Sell 卖，销售sell at a discount 折价出售sell at a low price 低价出售sell at half price 半价出售sell by sample 看样出售sell in bulk 成批出售，批发sell on credit 赊销Seller 卖方，卖主seller’s market 卖方市场seller’s price 卖方价格Selling 销售，出售selling and administrative expenses cost 推销及管理费用成本Sell-off of enterprise’s assets 廉价销售企业资产Senior 老资格的，年老的senior accountant 高级会计师senior citizen 65岁以上的老年公民senior debt 优先债务senior engineer 高级工程师senior manager 高级管理人员，高级经理Seniority 资历，工龄seniority system 年资制度Separate 分开，分离separate ownership rights from management rights 所有权和经营权分离Service 服务，劳务service business 服务性行业service company 服务公司service industry 服务业service life （设备的）使用年限Settlement 结算，支付，解决settlement of cash 现金结算settlement of obligation 债务清偿settlement price 结算价格Settling 结算的，清算的settling bank 清算银行settling fee 理赔费用Share 股票，股份，份额corporation share 法人股share account 股金帐户share capital 股份资本share consolidation 股票合并share holding economic 股份制经济share of market 市场份额share ownership 股权share price 股票价格share stock 股票，股份share transfer 股票过户。
公众责任险英文版
公众责任险英⽂版The public liability insurancefor the operation of the enterprise to support the umbrellaIn our daily life, we often go to public places such as hotels, supermarkets, shopping malls, movie theaters and office buildings to enjoy the convenience of life and fun.But often seemingly safe places, there are many unexpected accidents that we can't predict.Such as ground water slip fall, elevator parts, downhill, falling objects such as "outrageous fortune" the biggest security hidden danger, has become a public place and business managers will directly facing a lawsuit or claim.Another high-risk place that we often overlook is education training school. Due to the concentration of people and the relative isolation of the environment, it is more likely to cause widespread damage if accidents occur.Training object training schools for children, because children lack of self-protection ability, the school must have a comprehensive and effective safety protection measures, and after the accident will also unavoidable legal and ethical responsibility.But accidents are often unpredictable, and whether there is a better option for the site operator before an accident or casualty. It is particularly important to insure public liability insurance for the place in advance, which can be an effective way to pass on risks and make up for losses in the face of highcompensation or great loss.What is public liability insurance?Public Liability Insurance is also called general liability insurance or comprehensive liability insurance. It takes the public liability of the insured as the object of the insurance, and is the most independent and applicable insurance category in the liability insurance.Public responsibility refers to the damage of the person's property or personal property caused by the fault behavior of the victim in the public place of action, and the economic compensation responsibility of the victim should be borne by the victim according to law.The constitution of public responsibility is based on the legal responsibility of economic compensation, and its legal basis is the civil law and all kinds of relevant laws and regulations. In addition, in some places which are not public activities, if the public is injured by the responsible person in the place, it can also be attributed to the public responsibility.Therefore, public facilities, places, factories, office buildings, schools, hospitals, shops, exhibition halls, zoos, hotels, hotels, theaters, sports venues, and construction sites are all responsible for the risks of public liability accidents. The owners and managers of these places need to transfer their responsibility through public liability insurance.The responsibility of insurance companies in public liability insurance:1. the liability for economic compensation should be taken according to law when the insured person has made personal casualty or property loss;2. in the event of a responsible accident, if the legal proceedings arise, the insured shall bear the responsibility for the relevant litigation costs.However, the highest liability of the insurance company shall not exceed the limit of compensation for each accident or the limit of cumulative compensation stipulated in the policy.Characteristics of public liability insurance:The object of insurance is invisible: the public liability insurance guarantees the insured's economic compensation liability due to the accident caused by personal injury and property loss due to accident in the scope of his operation.A wide range of applications:this type of insurance can be applied to factories, office buildings, hotels, houses, shops, hospitals, schools, theaters, exhibition halls and other public places of activity.There are rich forms of expression: common responsibility, comprehensive responsibility, place responsibility, elevator responsibility, contractor's responsibility, etc., while China mainly displays public responsibility of the placeWhy should public liability insurance be covered?The public responsibility risk in life is everywhere. With the enhancement of people's awareness of rights protection, the general business places are facing the risk of responsibility disputes. After all, business units have the obligation to protect the basic personal safety of consumers.For example, some schools, educational institutions and other places of public gathering, often occur students during class accidental falls, participation in school activities,accidents, students trouble, fight, traffic accident on the way to school, food poisoning, fire and explosion accidents and other security risks.Once an accident occurs, causing casualties, the school should bear the responsibility for the accident. If the public liability insurance is applied, the commercial means can effectively avoid the economic compensation loss of the operator.The risk of public responsibility in life1. Shift risks for enterprise managementPublic liability insurance coverage so that enterprises can effectively transfer the risks in the process of operation, the relief may face high compensation responsibility and the contradiction between small payment ability, avoid due to inability to compensate thebankruptcy and production disruptions, and maintain the stability of production.In October 8th, Guangxi province Lingshan county junior middle school girl Huang in the classroom lectures, ceiling fans fall suddenly, rotating fan blade scraping to its left cheek, face and corner of the blood DC, constitute disfigurement. Lingshan County People's court sentenced the school to full responsibility, to compensate students for subsequent treatment costs and mental damage solatium. The school seeks compensation insurance with the public liability insurance policy signed by an insurance company in March of that year. After providing the claim data, the insurance company has successfully obtained the claim.By insuring public liability insurance, the school can effectively avoid the responsibility risk disputes and maintain the stability of the normal development of the school.2.Effectively protect the vital interests of the publicManagers in every public place are responsible for the customers and the public who visit your place. Although accidents can be reduced, but can not be completely avoided, operators should protect the public interest as the starting point, so that every public access to adequate security.In March this year, Maria Tung in an education institutions in class, because of the ground water caused Maria Tung slipped and fell, then rushed to hospital for treatment, treatmentcosts 5800 yuan. Maria Tung's parents immediately launched a claim to the educational institution. After contacting the educational institution and the insurance company, Maria Tung finally got the compensation.Public liability insurance through the market risk transfer mechanism, using commercial means to solve legal disputes, such as compensation liability, protect the legitimate rights and interests of the public, and maintain social harmony and stability.3.A number of national laws and regulations to encourageThe country has passed many laws and regulations many times, encouraging some public gathering public places to insure public liability insurance, ensuring the public safety, and adopting effective ways to prevent and control the risks actively. For example:"Notice of the general office of the State Council forwarded the Ministry of public security fire control reform and development program" (issued [1995]11) thirtieth:Fire insurance and public liability insurance should be taken in places such as important enterprises, inflammable and explosive dangerous chemicals places, large shopping malls, hotels, restaurants, theaters, dance halls and other public places. The insurance company can give preferential treatment and reward to the fire prevention work and the purchase of fire engines by the fire brigade".Article thirty-third of fire protection law:The State encourages and guides the public to gather places and enterprises that produce, store, transport or sell inflammable and explosive dangerous goods to insure public liability for fire risks.The thirty-seventh article of tort liability law:The organizers or the organizers of mass activities in public places such as hotels, shopping malls, banks, stations, entertainment places, etc., fail to fulfill the obligation of safety protection and cause damage to others, they shall bear the tort liability.How to insure public liability insurance?People in the business of insurance public liability insurance, general insurance business that unlike other fixed premium table, but usually each of the insured risk individually negotiated rates, in order to ensure that the insurer undertakes the responsibility and the risk premium to adapt.Therefore, insuring public liability insurance requires the insurance company to customize the insurance scheme according to the assessment of the enterprise's own risk. As a senior insurance brokerage company, Wachovia has rich experience in planning insurance schemes and claims, and can help enterprises to plan appropriate insurance programs according to the actual needs of enterprises.Public liability insurance coverage, the insurance industry in accordance with international practice, the insurance of public liability insurance according to each accident basic compensation limit and deductible respectively for personal injury and property damage insurance rate two, if the basic compensation limit and deductible or when the insurance premium should be appropriate, but and non proportionally.The calculation methods of public liability insurance premium include the following two situations:1.The compensation limit (accumulated or every accident compensation limit) as the basis of calculation,That is the insurance premium receivable = total amount of compensation * applicable rates2. To calculate the premium according to the size of the place,The insurance premium receivable insurance underwriter = place occupied area (squaremeters) * per square metre of insurance.LastShen zhen myonline insurance brokers reminded everyone ,even if the insured public liability insurance, still need to improve the sense of risk prevention. Business operators shall employ qualified staff, and maintain the use of buildings, roads, factories, machinery, apparatus and equipment for a long time in good condition, immediately to repair the defects have been found, or take temporary measures to prevent the occurrence of accidents.Once the policy insurance accident, insurance companies should contact immediately after, and the extent of the loss occurred in the accident report; without the examination and consent of insurance firms, can not change and repair of the accident related buildings, roads, factories, machinery, apparatus and equipment.For insurance, please contact myonline insurance brokers：400-6007-005。
Natti 翻译练习： Public Liability 公众责任
Natti 翻译练习： Public Liability 公众责任原文Public LiabilityPublic liability insurance has been a headline item in Australia for most of this year. Business and organisations are struggling to obtain public liability cover at an affordable level, if at all, and some are faced with the prospect of operating without it. Such a decision should be made only with a full understanding of the potential commercial consequences of not having this kind of protection.What should be made clear in making such a decision is that Australia society has become more litigious in recent years.Many people take the view that if a bad thing happens to them, it must be somebody else’s fault and somebody else should be made to pay.It is not possible to give an allencompassing description of all situations in which companies or organizations will incur liability of the type covered by public liability insurance. It would be difficult enough trying to do this for a specific business.The underlying principle will arise when:Y ou have a duty of care to the plaintiffY ou breach that dutyThe plaintiff suffers loss or damage as a result of the breachThe loss or damage was reasonably foreseeableA duty of care can arise through your ownership or occupation of premises, through your conducting an event or a particular business, and through the actions of your employees, officers, or agents.The high court was asked recently to consider whether the operator of an indoor cricket centre was liable to a player who lost the sight in one eye after a ball came off the top edge of the bat and hit him in the eye.公众责任公众责任险一直都是澳洲今年大部分时间的头条话题。
公众责任险扩展条款（英）
公众责任险扩展条款（英）预览说明:预览图片所展示的格式为文档的源格式展示,下载源文件没有水印,内容可编辑和复制PUBLIC LIABILITY INSURANCE ENDORSEMENTS01 Cross Liability Clause02 Contractual Liability Clause03 Strike, Riot, Civil Commotion or Malicious Damage Extension Clause04 Act of Terrorism Extension Clause05 Elevator and Escalator Clause06 Explosion of Boilers07 Fire & Explosion Extension Clause08 Food and Drink Clause09 Goods and Services Clause10 Guest's Property Clause11 Tenant's Liability Clause12 Building Alterations Clause13 Motor Contingent Liability14 Personal Injury Liability Clause15 First Aid Treatment Clause16 Swimming Pool Liability Clause17 Advertising Signs and Decorations Liability Clause18 Loading and Unloading of Vehicles Clause19 Extinguishing Expenses Clause20 Third Party Liability of Directors and Executives Clause01 Cross Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this insurance shallapply to each insured party as if a separate policy had been issued to each party.The Insurers' total liability in respect of the insured parties shall not however exceed in the aggregate for any one accident or series of accidents arising out of one event the limit of indemnity stated in the Schedule.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:02 Contractual Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, the Company shall indemnify the Insured against any claim made in respect of liability assumed by the Insuredunder any contract or agreement for bodily injury of and/or property damage to any third party subject to the limits of liability stipulated in this policy provided that such contract or agreement has been declared to and approved by the Company.This Clause is subject otherwise to the terms , conditions and exceptions of this Policy.Additional Premium:03 Strike, Riot, Civil Commotion or Malicious Damage Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Polity shall be extended to cover the Insider's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises directly caused by strike, riot, civil commotion or malicious damage.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:04 Act of Terrorism Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for the bodily injury of and/or property damage to any third party at the specified premises directly caused by any terrorist or terrorism organization.This clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:05 Elevator and Escalator ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party in the normal operational use of the elevators or escalators at the premises specified in the Policy subject to the limits of liability stipulated in this Policy.It is warranted that the Insured shall see to it that regular inspection and maintenance of the elevators andescalators shall be carried out by qualified engineers.The amount of indemnity shall not exceed the following limits of liability.Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions andexceptions of this Policy.Additional Premium:06 Explosion of BoilersIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insider's liability for accidental bodily injury of and/or accidental property damage to any third party occurring at the specified premises resulting from boiler explosion due to its internal steam pressure subject to the limits of liability stipulated in this policy that the Insured has complied with all operating regulations laid down specifically for such boiler.It is warranted that the Insured shall see to it that regular inspection and maintenance of the boiler shall be carried out by qualified engineers.This clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional premium:07 Fire & Explosion Extension ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the insured for accidents bodily injury of and/or accidental property damage to any third party occurring at the specified premises caused by fire or explosion subject to the following limits of liability during the period of insurance:Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:08 Food and Drink ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium , this Policy shall be extended to cover the Insured's legal liability for claims made against the Insured for accidental bodily injury of and/or accidental property damage to any third party which occurs during the period of insurance and arises out of poisoning by or foreign or deleterious matter in food or drink consumed in or about the premises specified in the Policy provided always that the Insured shall at all times take every possible precaution to prevent the sale or supply of any condition or free from contamination or for human consumption, subject to the following limits of liability during the period of insurance.Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:09 Goods and Services ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidental bodily injury or accidental property damage which occurs during the period of insurance and arises out of goods and/or services sold or supplied including transportation provided by the Insured in the normal course of the business as hold proprietor, subject to the following limits of liability during the period of insurance:Limit of Indemnity a.o.a.:Aggregate Limity of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:10 Guest's Property ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for loss of or damage to the property belonging to guests or customers of the Insured whilst such property is under the custody orcontrol of the Insured subject to a limit of liability of ______any one guest, with the exception of losses of guests' property from safe deposit boxes contained at the premises where the maximum liability of any one guest is agreed to be__________. For the purpose of this extension the guests. property shall include clothing of such guests' sent for laundry, dry cleaning or pressing at the premises , subject always to the following limits during the period of insurance:Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional premium:11 Tenant's Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's legal liability for the claims made against the Insured for accidental bodily injury of and/oraccidental property damage to any third party caused by fire to the buildings leased.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:12 Building Alterations ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidental bodily injury of and/or property damage to any third party occurring at the premises resulting from the alterations, structural repairs, decorations and the like operations of the insured building provided that the Insured shall give provided that the Insured shall give previous notice to the Company to that effect and the Company may charge an additional premium if the risk exposure is increased.The Insured shall take all practicable safety measures to prevent accidents from happening while the insured building is undergoing the aforesaid process.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:13 Motor Contingent LiabilityIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for the claims made against the Insured for third party liability including passenger risk in respect of any motor car neither owned nor provided by the others while being used in connection with the business.This Clause is subject otherwise to the terms, conditions andexceptions of this Policy.Additional Premium:14 Personal Injury Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for the claims made in respect of personal injury to third parties arising out of the following offenses:1. false arrest, detention or imprisonment, or malicious prosecution2. libel, slander, defamation or violation of rights of privacy3. wrongful entry or eviction or other invasion of rights of private occupancy.The observance of the regulations and laws of the People's Republic of China shall be a condition precedent to any liability of the Company.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:15 First Aid Treatment ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured for reasonable costs or expenses of first aid treatment given or administered by the Insured to a third party injured at the premises upon an occurrence falling within the scope of this Policy.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:16 Swimming Pool Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidents happening in or around or arising out of the ownership, use or operation of the Insured's swimming pool.It is warranted that life-guards are on duty whenever the swimming pool is open for use.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:17 Advertising Signs and Decorations Liability ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the Insured for accidental bodily injury or property damage to any third party resulting from the Insured's advertising signs, neon signs, decorations and the like in or about the premises.It is Warranted that the Insured shall see to it that regular inspection and maintenance of such property shall be carried out by qualified persons.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:18 Loading and Unloading of Vehicles ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for the claims arising from the loading and unloading of the Insured's vehicles in connection with the business at the specified premises.This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:19 Extinguishing Expenses ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured for extinguishing expenses which should be necessarily andreasonably incurred in extinguishing fires at the premises, subject to the following limits of liability during the period of insurance.Limit of Indemnity a.o.a.:Aggregate Limit of Indemnity:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:20 Third Party Liability of Directors and Executives ClauseIt is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the third party liability of the Insured's directors and executives for accidents happening in their business travelling or business trips, subject to the following limits of liability during the period of insurance.Limit of Liability a.o.a.:Aggregate Limit of Liability:This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.Additional Premium:PUBLIC LIABILITY INSURANCE ENDORSEMENTS。
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Natti 翻译练习： Public Liability 公众责任
原文
Public Liability
Public liability insurance has been a headline item in Australia for most of this year. Business and organisations are struggling to obtain public liability cover at an affordable level, if at all, and some are faced with the prospect of operating without it. Such a decision should be made only with a full understanding of the potential commercial consequences of not having this kind of protection.
What should be made clear in making such a decision is that Australia society has become more litigious in recent years.
Many people take the view that if a bad thing happens to them, it must be somebody else’s fault and somebody else should be made to pay.
It is not possible to give an allencompassing description of all situations in which companies or organizations will incur liability of the type covered by public liability insurance. It would be difficult enough trying to do this for a specific business.
The underlying principle will arise when:
Y ou have a duty of care to the plaintiff
Y ou breach that duty
The plaintiff suffers loss or damage as a result of the breach
The loss or damage was reasonably foreseeable
A duty of care can arise through your ownership or occupation of premises, through your conducting an event or a particular business, and through the actions of your employees, officers, or agents.
The high court was asked recently to consider whether the operator of an indoor cricket centre was liable to a player who lost the sight in one eye after a ball came off the top edge of the bat and hit him in the eye.
公众责任
公众责任险一直都是澳洲今年大部分时间的头条话题。
工商机构在努力争取在能力负担水平内 的公众责任险保障，无论如何，一些工商机构会面临着无公众责任险地运作的前景。
这样的决 定只会在完全理解没有这种保障会带来的潜在商业后果才会做出的。
做出这个决定时要弄清楚的是澳洲社会在近年来变得更好诉讼了。
很多人的观点是如果一件不好的事发生在他们身上，那么肯定是其它人的过错，其他人应该做 出赔偿。
对公众责任险包含的，公司或机构要承担责任的所有情况，是不可能去做出一个完全的说明的。
对一个特别的商业尝试做出此说明是足够困难的。
根本的原理会出现在：
－你有照顾原告的责任
－你违背该责任
－该违背造成原告人的损失或损害
－该损失或损害是合理地可预知的。
照顾的责任出现于当你拥有或占有一个建筑物，你正指导着一项活动或一样特别的事情，还有 你的雇员，官员或代理人员的行为。
高等法院最近被要求去考虑一个室内板球中心的经营者是否要对一个一眼失明的运动员负上责任，该运动员是被一个从球棒上部边缘弹开的球击中眼部而失明的。