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A homeowner in Achrafieh does not care if the investigation is a sham, only that it rules that the explosion was an accident.
阿什拉斐葉區的一位私房屋主并不在乎調查的真假，只在乎調查是否會判定此次爆炸是一場意外。
Otherwise his insurance policy will pay nothing.
否則他的保險單將分文不付。
The owner of a ruined boutique down the hill in Mar Mikhael would prefer the opposite result:
馬爾·米哈埃尓山下的一家被毀精品店的老板則更希望有相反的結果：
her policy covers terrorism, unlike most, and will compensate her for an estimated $100,000 in repairs and lost inventory.
與大多數保單不同，她的保單包含恐怖襲擊，并將賠償她大約10萬美元的維修和庫存損失。
The manager of a car-rental firm wonders if his explosion cover will include one of the largest nonnuclear explosions in history,
一家汽車租賃公司的經理想知道，他的保單中的爆炸是否包括歷史上最大的非核爆炸之一，
since his vehicles were flattened by falling debris, not the blast itself.
因為他的汽車都是被墜落的碎片摧毀，而非爆炸本身。
The explosion that ripped through Beirut on August 4th,
8月4日，發生在貝魯特的爆炸
caused by 2,750 tonnes of ammonium nitrate stored improperly for years at the port, devastated much of the city centre.
由多年來在港口儲存不當的2750噸硝酸銨造成的，摧毀了市中心的大部分地區。
More than 200 people are dead or missing, thousands wounded, and an estimated 300,000 are homeless. The damage to property could reach $15bn.
有超過兩百人死亡或失蹤，數千人受傷，預估有30萬人無家可歸。財產損失可能高達150億美元。
A chunk of that will land on insurance companies in Lebanon, with consequences for banks and foreign reinsurers.
其中的一大部分將落到黎巴嫩的保險公司身上，并對銀行和外國再保險公司造成影響。
In 2018 Lebanese insurers paid out around $90m to settle property and casualty claims. Insured losses at the port alone could now run to $250m.
2018年，黎巴嫩保險公司支付了約9000萬美元來解決財產和傷亡索賠。僅港口的保險損失現在就可能高達2.5億美元。
Victims have filed 2,500 claims for $425m in damages across the city, according to Raoul Nehme, the caretaker economy minister.
根據臨時代理經濟部長拉烏爾·內赫姆，全市受災群眾共提出2500項賠償要求，索賠金額為4.25億美元。
Insurers expect the number of claims to quadruple and the final price tag to hit $3bn.
保險公司預計，索賠數量將增長3倍，最終金額將達到30億美元。
That is almost double the annual revenue of Lebanon's 52 insurers, which wrote $1.7bn in gross premiums in 2018.
這幾乎是黎巴嫩52家保險公司年收入的兩倍，2018年，這些保險公司的總保險費為17億美元。
Claims are frozen until the government finishes investigating the blast.
在政府完成爆炸調查之前，索賠將被凍結。
Insurers would largely be off the hook if it were a deliberate act (there is no evidence to suggest it was).
如果爆炸是蓄意引發的，那么保險公司很大程度上能夠擺脫困境（沒有證據表明是蓄意的）。
An act of war would trigger force majeure clauses, and most policies do not cover terrorism.
戰爭行為將觸發不可抗力條款，而大多數保單都不包括恐怖襲擊。
The worst scenario for insurers is also the most likely: that the blast was an accident.
對保險公司來說，最壞的情況也是最有可能的情況：爆炸只是一場意外。
That would trigger another set of claims, as insurers seek to collect from the owners of the warehouse where the ammonium nitrate was stored.
這將觸發另一套索賠，保險公司試圖從儲存硝酸銨的倉庫所有者那里收集這些索賠。
譯文由可可原創，僅供學習交流使用，未經許可請勿轉載。
