个人、商业保险中英术语合集

1、个人、商业保险中英文术语词汇表AAbandonment 委付Absolute assignment 完全转让Accelerated death benefit 加速死亡给付Accident 意外事故Accidental death benefit 意外死亡保险金Accounts receivable coverage form 应收账款保单Actual cash value (ACV) 实际现金价值Actual cash value 实际现金价值Actual Cash Value-Mobile home 实际现金价值-活动房屋Additional auto 新增车辆Additional ins

2、ured endorsement 附加被保险人批单Additional interests-residence premises endorsement 额外利益-住宅房产批单Additional limits of liability coverages A, B, C and D 保障A 、B、 C、D 额外责任限额批单Additional residence rented to others endorsement 其他出租住宅批单Advertising injury 传播性伤害Aggregate excess 累计超额Aggregate limit 累计限额Agreed value 议

3、定价值Aircraft insurance 飞机保险All-risk 一切险Alteration 改动American Association of Insurance Service 美国保险服务协会Annual transit policy 年度货物运输保单Annuity 年金Appraisal 估价、公估Arbitration 仲裁Assignment Clause 转让条款Assignment 转让Assumption of liability 承担责任Auto insurance plan 汽车保险计划Auto physical damage 汽车车身物质损失Auto 汽车Autom

4、atic premium loan provision 自动保费贷款条款Avoidance 规避BBailee customers policy 委托人顾客保单Bailee 受托人Bailor 寄托人Basic medical expense coverage 基本医疗费用保障 Beachfront and windstorm plan 海滨地区和暴风雨计划Beneficiary designations 受益人指定条款Betterment 改良Bid bonds 投标保证Bill of lading 提单Blackout period 社会保障津贴暂停期Blanket insurance 总

5、括保险Bobtail and deadhead coverage 短尾呆头保障Bodily injury 人身伤害Boiler and machinery coverage form 锅炉和机器保障格式Boiler and machinery insurance 锅炉和机器保险Boiler 锅炉Bonds 债券BOP special property coverage form 企业所有人保险单特别财产保障格式BOP standard property coverage form 企业所有人保险单标准财产保障格式Breach of contract 违约Broad theft coverage

6、 扩展盗窃险Builders risk coverage form 建筑商风险保障格式Building and personal property coverage form(BPP) 建筑商和个人财产保障格式Building 建筑物Burglary and robbery optional coverage 盗窃和抢劫选择性保障Burglary 盗窃Business auto coverage form 商业汽车保障格式Business income (and extra expense) coverage age form 营业收入（包括额外费用）保障格式Business income (

7、without extra expense) coverage form 营业收入（不包括额外费用）保障格式Business income changes- educational institutions endorsement 营业收入变化-教育机构批单Business income insurance 营业收入保险Business income premium adjustment endorsement 营业收入保单保费调整批单Business income 营业收入Business owners liability coverage form 企业所有人责任保障格式Business

8、owners policy (BOP) 企业所有人保险单Business personal property 商用个人财产Business pursuits endorsement 商业事务批单CCalendar-year deductible 日历年度免赔额Camera and musical instrument dealer coverage form 照相机和乐器经销商保单格式Cancellation 撤销（保单）Capital appreciation 资本升值Car pools 汽车合用组织Cargo war risk policy 货物运输战争风险保单Cause of loss

9、损失原因Causes of loss forms 损失原因格式Causes of loss-basic form 损失原因-基本格式Causes of loss-broad form 损失原因-广义格式Causes of loss-earthquake form 损失原因-地震保单Causes of loss-special form 损失原因-特殊格式Civil law 民法Claim expenses 理赔费用Claims-made coverage trigger 提出索赔式触发机制Class beneficiary 集体受益人Class code 类别号Class rating 分级费

10、率Coinsurance 共同保险（共保）Collapse 倒塌Collateral assignment 担保性转让Collision coverage 碰撞保障Collision damage waiver 碰撞损失弃权书Collision insurance 碰撞保险Collision 碰撞Combined single limit 综合单一限额Commercial automobile insurance 商业汽车保险Commercial crime insurance 商业犯罪保险Commercial general liability insurance 商业普通责任保险Comme

11、rcial insurance 商业保险Commercial Lines Manual (CML) 商业保险手册Commercial package policy(CPP) 商业一揽子保险保单Commercial property conditions form 商业财产保险条件格式Commercial property conditions 商业财产保险承保条件Commercial property coverage form 商业财产保障格式Commercial property coverage part 商业财产保障部分Commercial property declaration p

12、age 商业财产保单声明页Commercial property insurance 商业财产保险Common carriers 一般承运人Common policy conditions 一般保单条件Common stock 普通股Comparative negligence law 比较过失法Compensatory damages 补偿性损害赔偿金Competitive state funds 竞争性州基金Completed operations liability exposure 完工责任风险Comprehensive coverage 综合保障Compulsory insuranc

13、e law 强制保险法Computer fraud 计算机行窃Concealment 隐瞒Concurrent causation 并发损失Conditionally renewable条件可续保Condominium association coverage form 共有产权机构保单格式Condominium association insurance 共管住宅协会保险Condominium commercial unit-owners coverage form 共有产权商业单元所有人保单格式Condominium declaration 共管住宅声明书Condominium maste

14、r policy 共管住宅业主保单Condominium units 共管住宅单位Condominium 共管住宅Consequential damage endorsement 后续损失批单Contingent beneficiary 或有受益人Continuing expenses 继续发生的费用Contract bonds 合同保证Contract carriers 合同承运人Contract 合同Contractors equipment floater 承运人设备运输保险Contractual liability 合同责任Contributory negligence law 共有过

15、失法Contributory plan 分摊型计划Convertible 可转换Cooperative unit 共有单元Coordination-of-benefit provision 协调给付条款Corridor deductible 通道免赔额Cost-of-living rider 生活成本调整附加条款Court bond 法庭担保Coverage C increased special limits of liability 保障C提高特殊责任限额批单Coverage for damage to your auto (Max limit of liability) endorsem

16、ent 车辆损失险（最大责任限额）批单Coverage for damage to your auto 车辆损失险Coverage for excess sound reproducing equipment, audio visual and data electronic equipment, and tapes, records, disks and other media endorsement 额外的声音复制设备，声频，视频及数据电子设备，磁带、录制品唱片以及其他媒介保险批单Coverage symbols 承保标志Credit card, fund transfer card, f

17、orgery and counterfeit money coverage endorsement 信用卡、转账卡、伪造品和伪币保险批单Credit card, fund transfer card, forgery and counterfeit money 信用卡、转账卡、伪造品和伪币Crime insurance 犯罪保险Criminal law 刑法Current assumption whole life insurance 当期假设终身寿险Current interest rate 当期利率Currently insured 目前被保险Custodian 管理人Customizin

18、g equipment coverage endorsement 定制设备保险批单DDamages 损害赔偿金Damages 损失Debris removal 损遗物清理Declaration 说明Decreasing term insurance 保额递减型定期寿险Deferred annuity 延期年金Defined benefit plan 规定收益计划Defined contribution plan 规定缴费计划Dental insurance 牙科保险Dependency period 依赖期Dependent property exposures 连带财产风险（间接营业中断风险

19、）Destruction 毁坏DIC, difference in conditions policy 补足保险保单Difference in conditions (DIC) insurance 补足保险Difference in conditions (DIC) policy 补足保险保单Diminution in value 贬值Directors and officers liability policies 董事和经理人责任保险单Disability income insurance 伤残收入保险Disability insured 伤残被保险Disappear 消失Discover

20、y period 发现期Dismemberment 失能Diversification 多元化Dividend options 红利支付选择权条款Drop down coverage 顺延责任保障Dwelling policy 住宅保单EEach occurrence limit 每一事件限额Earthquake endorsement 地震批单Education IRA 教育IRAElectronic data processing (EDP) equipment floater 电子数据处理设备运输流动保单Eligibility period 资格期Elimination period 免

21、责期间Emergency program 紧急计划Employee benefits liability insurance 雇员福利责任保险Employee dishonesty optional coverage 雇员欺诈行为选择性保障Employee dishonesty 雇员不忠诚Employee 雇员Employers non ownership liability 非雇主所有的汽车责任Employment practices liability insurance 雇用行为责任保险Endorsement 批单Ensuing losses 继发损失Equipment dealers

22、coverage form 设备经销商保单格式Errors and omissions liability policy 过错和遗漏责任保单Estate clearance fund 遗产清理基金Estate settlement 遗产分配Evidence of insurability 可保性证明Excess liability policies 超额责任保单Exclusive provider organization 专门供应者组织Expediting expenses 加速费用Experience rating plan 经验费率计划Exposure 风险，风险载体Extended b

23、usiness income 延长期营业收入Extended non-owned coverage for named individual endorsement 为记名被保险人扩展非自有车辆责任批单Extended period of indemnity 补偿的延长期期限Extended reporting period 延长报告期Extended term insurance 展期保险Exterior glass optional coverage 外部玻璃选择性保障Extortion 敲诈勒索Extra expense coverage form 额外费用保障格式Extra expen

24、ses 额外费用Extraterritorial provisions 治外法权条款FFAIR plans, beachfront and windstorm plans 公平保险需求计划（FAIR），海岸及风暴计划FAIR, Fair Access to Insurance Requirements Plans 公平保险需求计划Farm insurance policies 农场保险保单Farm insurance 农场保险Farmers personal liability endorsement 农场主个人责任批单Fatality rate 事故死亡率FDIC, federal depo

25、sit insurance corporation 联邦储蓄保险公司Federal surety bond 联邦保证保险FEMA 联邦紧急事务管理局Fiduciary bond 信托担保Fiduciary liability insurance 信托责任保险Film coverage form 影视保单Financial institution bonds 金融机构保证保险Financial planning 财务计划Financial responsibility 经济责任法Finish stock 制成品存货Fire damage limit 火损限额Fire department ser

26、vice charge 消防费用Fire department service charge 消防局服务费用Fire legal liability coverage 火宅法律责任保障First named insured 第一指定被保险人First party insurance 第一方保险First-party insurance 第一方汽车责任保险Fixed annuity 定额年金Fixed-amount option 固定给付金额方式Fixed-period option 固定给付期限方式Flat deductibles 统一免赔额Flexible-premium annuity 可

27、变保费年金Flood insurance policies 洪水保险保单Floor plan coverage form 抵押物保单格式Forgery 伪造Freight 运费Friendly fire 善意之火Functional replacement cost 同功能重置成本GGarage business 汽车经营业务Garage coverage form 汽车服务商保单Garage keepers insurance 车辆照管人保险Garage policy 车库保险General aggregate limit 全部累计限额General average 共同海损General

28、damages 一般损害赔偿金General provision 一般条款Glass coverage form 玻璃保险Glass or safety glazing material 玻璃或安全玻璃材料Grace period 宽限期Guaranteed cost policies 成本保证保单Guaranteed insurability 保证可保性Guaranteed renewable 保证可续保HHealth insurance, including Medicare 健康保险，包括政府医疗保障保险Health maintenance organization 健康维持组织High

29、ly protected risks 高度保护风险HO- 6 unit-owners form HO-6 共同所有者格式HO-2 broad form HO-2 广义格式HO-4 contents broad form HO-4 室内物品扩展格式HO-8 modified coverage form HO-8修改的承保范围格式Hold harmless agreement 免除伤害协议Home business endorsement 家庭商业保险批单Home business insurance coverage endorsement 家庭商业保险保障批单Home day care cov

30、erage endorsement 家庭日托保险批单Homeowner policy 屋主保单Homeowners 3 special form 屋主保单3号特殊格式Hospital expense insurance 住院费用保险Hostile fire 恶意之火HPR insurance 高度保护风险保单Hull insurance 船舶保险Hull 船体Human loss exposure 人身损失风险（载体）IImmediate annuity 即期年金Implied permission 默认许可Improvements and betterments 提高和改良Incidenta

31、l farming personal liability endorsement 附属性农场个人责任批单Incidental motorized land conveyance endorsement 偶用机动化陆地交通工具批单Incontestable clause 不可争条款Increased limit on personal property in other residence endorsement其他居所个人财产提高责任限额批单Independent contractor 独立订约人Inflation guard endorsement 抵消通货膨胀批单Inflation gua

32、rd 通货膨胀保护Inland marine insurance 内陆运输保险Installation floater 安装流动保单Insurable interest 可保利益Insured contract 被保险合同Insured location 承保区域Insured status 被保险资格Intentional tort 故意侵权Interest option 利息给付方式Interest-sensitive life insurance 利率敏感型寿险Interior glass optional coverage 内部玻璃选择性保障Investing 投资Investment

33、 risk 投资风险Irrevocable beneficiary 不可变更受益人ISO, Insurance Service Office 保险服务局ISOs homeowners policy program manual ISO屋主保单计划手册JJewelers block coverage form 珠宝保单格式Joint-and-survivor income option 共同生存收入方式JUAs 联合承保协会Judgment rating 判断定费发Judicial bond 司法保证KKeogh plan 基奥计划LLandlords furnishings 房东的家具Lega

34、l liability 法律责任Liability coverage 责任险Liberalization clause 自动承保条款License bond 执照担保Lien holder 留置权人Life income option 终身收入方式Life insurance amount 人寿保险限额Life insurance 人寿保险Limited Mexico coverage endorsement 有限制的墨西哥保险批单Limited payment life insurance 限期缴费终身寿险Limited theft coverage 有限盗窃险Line of busines

35、s 业务范围Liquidity 流动性Liquor liability coverage form 酒类责任保单格式Litigation 起诉Livestock collision coverage endorsement 家畜碰撞险批单Long-term care insurance 长期护理保险Loss adjustment endorsement 损失调整批单Loss assessment coverage endorsement 损失追征金保险批单Loss assessment coverage 损失评估保障Loss assessment 损失追征金Loss conditions 损失

36、条件Loss control 损失控制Loss cost 损失费用Loss exposure 损失风险Loss prevention 防损Loss reduction 减损MMail coverage form 邮件保单Maintenance bond 维修保证Maintenance of underlying insurance condition 维持基本保险条件Maintenance of underlying insurance condition 下层保单的维持条件Major medical insurance 大宗医疗费用保险Managed care plans 管理医疗计划Mar

37、ine extension clauses 海上保险扩展保障条款Marine insurance 运输保险Market value 市场价值Master deed 业主证书Material fact 重要事实Material misrepresentation 重大不实告知Maximum period of indemnity 最长补偿期限Maximum probable loss (MPL) 最大可能损失Mechanical breakdown optional coverage 机械故障选择性保障Medicaid 政府医疗补助计划Medical expense limit 医疗费用限额Me

38、dical payment coverage 医疗费用赔偿险Medical payment insurance 医疗给付保险Medical payments to others 他人医疗费用保险Medicare 政府医疗保障计划Messenger 信使Mint condition 完好无损Miscellaneous real property coverage 混合不动产保障Miscellaneous type vehicle amendment(motor home)其他车辆修正批单（移动房车）Miscellaneous type vehicle endorsement 多种车辆保险Misc

39、ellaneous type vehicle endorsement 其他车辆保险批单Misrepresentation 不实告知Misrepresentation 误告Misstatement of age or sex 年龄或性别误报条款Mobile equipment 机动设备Mobile home endorsement 活动房屋批单Mobile home insurance 活动房屋保险Mobile home lienholders single interest 活动房屋留置权人单方面利益Monetary threshold 货币临界Money and securities opt

40、ional coverage 货币和证券选择性保障Money purchase pension plan 保费基准制养老金计划Money 现金Monocline policy 单一保险保单Monopolistic state funds 垄断性州基金Monthly limit of indemnity 每月补偿限额Moral hazard 道德风险Motor carrier coverage form机动车承运人保单格式Motor truck cargo insurance 卡车货运保险Multistate revisions 多州修订本Mutual funds 共同基金NNamed insu

41、red 记名被保险人National Council on Compensation Insurance 美国劳工保险委员会National flood insurance program (NFIP) 全国洪水保险计划National flood insurance program, NFIP国家洪水保险计划National security Council 国家安全理事会Nationwide marine definition 全国范围运输定义Needs approach 需求法Net income 净收入Net worth 净财富Newly acquired auto 新置车辆No-fa

42、ult automobile insurance 无过失汽车保险Non cancelable 不可撤销Non forfeiture options 不丧失价值选择权条款Nonfiled policies 非归档保单Noninsurance transfer 非保险风险转移Non-owned auto 非自有车辆Nonparticipating policies 非分红型保单Nonrenewable 拒绝续保OObject definitions endorsements 对象定义批单Object 对象Obligee 权利人Occurrence coverage trigger 事故发生式触发机

43、制Occurrence limit 事故限额Occurrence 事件Ocean marine insurance 海洋运输保险Open cargo policy 预约货物运输保单Operation 经营Operations liability exposure 业务经营责任保险Ordinance or law coverage 法令或法律保险Ordinance or law 法令或法律Ordinance or law-increased amount of coverage endorsement 法令或法律提高保险金额批单Ordinance or law-increased period

44、of restoration endorsement 法令或法律增加的恢复期间批单Ordinary life insurance 普通寿险 Ordinary payroll limitation or exclusion endorsement 普通工人工资限制或除外责任批单Other insurance 其他保险 Other structure 其他建筑Other structure-increased limits endorsement 其他建筑提高责任限额批单Other-than-collision loss 非碰撞损失Outdoor signs optional coverage 室

45、外标志选择性保障Out-of-state coverage 州外保险Owner-operators 所有者-运营者Owners and contractors protective liability coverage 所有人和承包商保护性责任批单PPackage modification factors 一揽子保单修正系数Package policy 一揽子保险保单Paid-up additions 增额缴清保险Participating policies 分红型保单Particular average 单独海损Payment bond 支付保证Peak season limit of in

46、surance endorsement 高峰季节保险金额批单Performance bond 履约保证Peril 风险事故Perils of the seas 海上危险Period of restoration 恢复期间Permanent partial disability永久部分残疾Permanent total disability 永久全残Permit bond 允许担保Permitted incidental occupancies-residence premises endorsement许可的附属性占有住宅房产批单Permitted incidental occupancy e

47、ndorsement 许可的附属性占用批单Personal and advertising injury limit 个人传播性伤害限额Personal articles floater 个人特定财产保险Personal articles floater 个人物品流动保险单Personal auto insurance 个人汽车保险Personal auto policy 个人汽车保单Personal effects floater 个人流动物品保单Personal injury endorsement 个人伤害批单Personal injury protection个人伤害保障Persona

48、l injury 个人伤害Personal insurance 个人保险Personal liability supplement 个人责任补充保险Personal loss exposure 个人损失风险，个人损失风险载体Personal property floater 个人财产流动保险单Personal property of others 他人个人财产Personal property replacement cost endorsement 个人财产重置成本批单Personal risk management 个人风险管理Personal umbrella liability ins

49、urance 个人伞式责任保险Physical coverage 车身损失险Physical damage coverage 物质损失险Physicians visits insurance 医生诊费保险Physicians and surgeons equipments coverage form 医师用具保单格式Physicians professional liability policy 内科医生职业责任保单Pickup 小型运货车PIP endorsement 人身伤害保障批单Point-of-service plan 自选医疗服务机构计划Policy period 保单期Pollu

50、tant cleanup and removal 污染物清理和转移Pollution liability coverage form 污染责任保单格式Portability 可移植性Post judgment interest 判决后利息Power, heat, and refrigeration Endorsement 供电、加热及制冷费用批单Pre judgment interest 预断利息Pre-existing conditions 既存病况Preferred provider organization 优先供应者组织Preferred stock 优先股Premature deat

51、h 早逝Premise liability exposure 营业场所责任风险Premises alarm or fire protection system endorsement 居所警报或防火系统批单Premium audit 费率审计Premium base 保费基础Preservation of property 财产保存Presumptive disability 推定伤残Principal 被保证人Principle Liability Coverage 基本责任保险Private carriers 私人承运人Private passenger auto 私人轿车Pro rata

52、 refund 比例返还Probate 遗嘱检验Products liability exposure 产品责任风险Products-completed operations aggregate limit 产品及完工累计限额Professional liability policies 职业责任保险单Professional liability 职业责任Profit sharing plan 利润分享计划Proof of loss 损失证明Property damage 财产损坏Property exposed to loss 受险财产Property loss exposure 财产损失风

53、险Property other than money and securities 现金和有价证券外的其他财产Property removed increased limit 提高移走财产责任限额Property removed 移走的财产Protection and indemnity (R&I) insurance 保赔保险Protection and indemnity insurance 保护和赔偿金保险Punitive damages 惩罚性损害赔偿金RRate 费率Rater 费率厘定人Rating factors 费率因素Rating 费率制定Readjustment perio

54、d 重整期Real estate investment trusts(REITs)不动产投资信托Real estate 不动产Reasonable repairs 合理的修理Reduced paid-up insurance 减额缴清保险Reentry 再投保Regular program 常规计划Reinstatement clause 复效条款Reinsurance facilities 再保险机构Released value bill of lading 豁免价值提单Renewable 可续保Replacement auto 重置车辆Replacement cost 重置成本Reside

55、nce employee 住所雇员Residence premises 住宅房产Residence premises-three or four family dwelling endorsement 住宅房产由三个或四个家庭使用的住宅保险批单Residual disability 后续伤残收入减少给付Residual market 剩余市场 Retention 自留Retroactive date 回溯日Retrospective rating plan 追溯费率计划Revocable beneficiary 可变更受益人Rider 附加条款Risk management 风险管理Robbe

56、ry 抢劫Roth IRA 税后个人退休账户SSafe burglary 保险箱入室行窃Safe driver rating plan 驾驶者安全行驶费率计划Salvage 救助费用Saving Incentive Match Plan for Employees SIMPLE计划（匹配雇员储蓄机动计划）Saving 储蓄Scheduled article 表定财产Scheduled personal property endorsement 列举式个人财产保险批单Seasonal increase provision 季节性增加条款Securities 有价证券Self-insured retention (SIR) 自保自留Self-insured ret