English! Английский язык!: insurance

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Тема: Insurance - Lloyd's of London
Видео: Lloyd's underwriting area
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Insurance - Lloyd's of London
Lloyd's, also known as Lloyd's of London, is a British insurance market. It serves as a meeting place where multiple financial backers, underwriters, or “members”, whether individuals (traditionally known as “Names”) or corporations, come together to pool and spread risk. Unlike most of its competitors in the reinsurance market, it is not a company. The Society of Lloyd's was incorporated by Lloyd's Act 1871.The market began in Edward Lloyd's coffeehouse around 1688 in Tower Street, London. His establishment was a popular place for sailors, merchants, and shipowners and Lloyd catered to them with reliable shipping news. The shipping industry community frequented the place to discuss insurance deals among themselves.
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ВЫПУСК 31 - INSURANCE - СТРАХОВАНИЕ
Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowner's insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property. Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, which are discussed below under that name; and (b) the business owner's policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner. needs
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy comprises six kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. /wikipedia.org.
Словарь
insurance - страхование
insurance coverage - охват страхования
hedge against - страховать от
perils - опасности
premium - страховая премия
property risk - имущественный риск
insurer - страховщик, страховое общество
indemnify - возмещать
indemnity - возмещение
insured/policyholder - застрахованный/владелец полиса
bundle into one policy - объединять в один полис
Электронная книжная полка
ТЕРМИН ВЫПУСКА
Premium [`pri:mıәm] - (страховая премия, плата за обучение)
Amount or instalment paid for an insurance policy
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