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Insurance
保險
Insurance is a guarantee against financial loss.
保險是降低經(jīng)濟損失的一種保障。
Insurance policies can be bought for all sorts of things.
保險無所不保，
The most common kinds of insurance include life, health and property.
最常見的包括:人壽保險，健康保險及財產(chǎn)保險。
For example, an insurance company will pay to repair or replace the property if it is damaged or stolen.
例如:如果投保人的財產(chǎn)受到損毀或被盜，保險公司會為投資人支付維修或重購的費用。
How much a company will pay in the event of a claim depends on how much insurance the policyholder has bought. The amount may also depend on the conditions that led to the damage.
保險金賠償?shù)亩嗌俨粌H與投保人購買保險金的多少有關(guān)，而且還與造成投保人損失的實際情況有關(guān)。
There are two main kinds of insurance companies.
保險公司有兩大類:
Insurance carriers provide insurance to individuals, groups and businesses.
原保險公司和再保險公司。原保險公司通常通過保險代理公司或保險經(jīng)紀人為個人，團體或企業(yè)提供保險；
Reinsurance companies help reduce the financial risk to carriers.
而再保險公司則為投保的原保險公司降低經(jīng)濟風險。
These are insurance companies for insurance companies.
這些都是保險公司。
Carriers usually sell their policies through insurance agencies or brokers.
運營人通常通過保險機構(gòu)或經(jīng)紀人出售他們的政策。
Brokers bring together buyers and sellers.
經(jīng)紀人由買家和賣家匯集。
Large businesses often use brokers when choosing products to insure their workers, property and interests against risk.
大型企業(yè)在選擇產(chǎn)品上通常會讓經(jīng)紀人參與以確保他們的員工、財產(chǎn)和利益無風險。
