商务英语写作课件杨晓斌编著 ISBN9787811343311Section 17 保险事项Insurance.ppt

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1、Section17保险事项InsuranceI.要点概述MainPoints1.Whatisinsurance?Insuranceisaformofriskmanagementprimarilyforthepurposeofhedgingagainsttheriskofacontingentloss.Itistheequitabletransferoftheriskofaloss,fromoneentitytoanotherinexchangeforapremium.Thecompanysellingtheinsuranceistheinsurer,receivingthepremi

2、umdeterminedbytheinsurancerate.Thustheinsurer’sunderwritingperformanceismeasuredinitscombinedratiowhichisareflectionofthecompany’soverallunderwritingprofitability.Insurancecompaniesalsoearninvestmentprofitson“float”.“Float”oravailablereserveistheamountofmoney,athandatanygivenmomentthataninsurer

3、hascollectedininsurancepremiumsbuthasnotbeenpaidoutinclaims.Insurersstartinvestinginsurancepremiumsassoonastheyarecollectedandcontinuetoearninterestonthemuntilclaimsarepaidout.2.Whyisinsuranceimportant?Anykindofinsuranceisusedtohelpprotectconsumerswhencertainthingshappen.Peoplethinkitisveryimpo

4、rtantbecauseitprotectstheinsureds’assets.Asinsurancecompaniesareheldresponsiblefordecipheringwhatcoverageseachindividualneedsitisveryimportanttomakesurethatyourvaluablesareproperlyinsuredintheunfortunateeventofastormorotherwise.Ifyourbusinessexportsgoodsoverseas,shippingitems—nomatterifit’sbyla

5、nd,airorsea—comeswithcertain,oftenuncontrollablerisks.Itisthereforeagoodideatoobtaininsurancefromacertaininsurancecorporationwhocanhelptoprotectyouandyourbusinessfromlossduetosituationsoverseasthatareoutofyourcontrol,suchasanunexpectedpoliticalorsocialuprisingoranyothercatastrophes.3.Howtogetca

6、rgoinsurance?Accordingtowhattheitemisyou’reshipping,howmuchitisvaluedat,howitwillbepackedforshipment,whereitisbeingshippedfromandwhereitwillbesentto,youhavetofindfreightandshippingcompanies,brokersandinsuranceagentsandcalltheseplacesforaninsurancequote.Thenmakeyouroptionsandpurchaseyourpolicy.T

7、hiscanoftenbedonefromtheinsurerorshippingcompany’sWebsiteorbytelephonecall.Mostinsurerswillallowyoutopurchaseadditionalinsurancetocoveranyexclusion.Makesuretofindouthowfaryourcargoisinsuredfor.Withsomepoliciesorwithothers,mostofte