法律翻译 - 企业的保险 Insurance for Your Business

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1、1InsuranceforYourBusiness企业的保险Manytypesofinsurancearepurchasedbyand许多种保险是由企业或通过企业投保的。throughbusinesses.Muchoftheinsuranceisgroupinsurance其中大量保险是以较低的保费应个人之需要而purchasedforpersonalneedsatcheaperrates.投保的团体险。Cheaperratesonhealthandlifeinsurancecanbe通过企业投保团体险，可以办理保费较低的健obtainedbybuy

2、inggrouppoliciesthroughthe康险和人寿险——这通常是一个个家庭所享受businessthatarenotnormallyavailabletofamilies.不到的。Thisisanaddedbenefittoyouremployeesthat这种保险，是一种资方应该考虑到的职工额外shouldbetakenintoconsideration.利益。Groupratesareoftenavailable,evenforfamily甚至连职工人数很少的家庭企业也往往能享受businessthathaveonlyafewempl

3、oyees.团体保费的优惠。Otherimportanttypesofinsuranceforbusinessare其他两种重要的企业保险，是意外险和残废险。accidentinsuranceanddisabilityinsurance.Thesewillprovideaddedinsuranceincaseyour这两种保险会在企业职工因公遭受意外或变成employeesareinvolvedinaccidentsorbecome残废时提供补充保险。disabledinconnectionwiththeirwork.Liabilityinsuran

4、ceisalsoimportant.责任险也很重要。Ownerofbusinessincurrisksthatliability责任保险能帮助减少企业主所负担的风险。insurancecanhelpreduce.Ifacustomerslipsandisinjured,theownercanbe如果有顾客摔跤受伤，企业主可能要负损害赔liablefordamages.偿之责。超经典法律翻译100篇之企业的保险2Liabilityinsurancecanhelpreducetheriskoflosing由于引起侵权判决的损伤，整个企业有全都蚀thebu

5、sinessbecauseofinjuriesthatgivesrisetoa光的危险；而责任保险则能帮助减少这一风险。tortjudgment.Theinsuranceneedsofabusinessshouldbe企业的保险需要，应由一名能帮助分析“有什么handledbyaprofessionalwhocanhelpanalyze险可以投保而企业有能力投保的又是什么险”的whatisavailableandwhatthebusinesscanafford.专家来处理。Alwaysrememberthataninsuranceagentor随时都

6、要记住：任何一家保险代理商或保险掮brokeristryingtomakeasale.客都正在设法兜生意呢。Itiswisetodiscussthematterwithseveraldifferent为了做成最佳的一笔保险交易，同几个不同的brokersandagentsinordertogetthebestdeals.保险掮客和代理商对此进行磋商，是明智的。Lifeinsuranceservesmanybusinesspurpose.人寿险为企业的许多目的服务。Thefirstisinsuringthelifeofakeyemployeetopre

7、ventlossestothebusinessthatwouldoccurif首先一个目的是投保骨干职工人寿险以免该职heorsheweretodieandthesecondisusing工一旦死亡使企业蒙受损失；其次，则是利用insuranceproceedstofundabuy-outagreement保险收益资助于合伙人或股东中有人死亡时生thatiseffectivewhenoneofthepartnersor效的股权承买协议。shareholdersdies.Often,aparticularemployeewillbeimportantt

8、othe往往某一职工对企业之能继续成功下去是具有continuedsuccessofabusiness.重要