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保险英语词汇合集acceptancepolicy核保政策accountingperiod结算期aggregatelimit累积限额aggregatedloss累积损失antiselection逆选择ART(AlternativeRiskTransfer)新型风险转移balance所欠款项barrages堰坝captivepools自保组合天下金融网catastropherisk巨灾风险ceidingcompany分出公司cessionlimit分保限额claim-prone容易出险claimsassistance理赔协助cleancut结清方式coinsurance共保commencementandtermination起讫cover承保cover责任额depositpremium预付保费destroyed毁坏earthcaves土坏房屋EPAeventlimit事件限额exgratiapayments通融赔款excessloss超额赔款exclusion除外责任exposedareas风险承受区域facultativereinsurance临时分保faultzone断层区finiterisk有限制的风险flashfloods骤发洪水floodingofrivers洪水泛滥framestructure框架结构fullcoverage全额承保fullinsurancevalue足额保险价值fullliability全部责任GeophysicsInstitute地球物理研究所GNPI总净保费收入hailstorm雹暴heavydamage严重破坏hollowbrickwall空斗砖结构hourclause小时条款hurricane飓风individuallosses单一损失insurability可保性insuredlosses保险损失intensity烈度layering层次lessexposed损失可能性小liability责任lightdamage轻度破坏lineslips分保条loading附加费lossoccurrence损失发生lossoccurringbasis损失发生基础lossparticipation分担损失losssettlement损失赔付magnitude震级maliciousdamage恶意损害moderatedamage中度破坏multi-storybuilding多层建建筑MunichRe慕尼黑再netretainedlines净自留额netretainedlosses损失净自赔额noprofitcommission无纯益风险non-proportionalreinsurance非比例再保险notification告知object标的obligatoryreinsurance固定分保originaldeductibles原始免赔额originalrate原始费率paid-upcapital已付资本peakaccelerator峰值加速度peril危险PICCRe中保再placement安排PML可能最大损失policyholder保单持有者pool共保组合portfolioentry未满期责任的出帐portfoliooutgo未满期责任的入帐premium保费previouslosses既往损失priority分保自留额priority自付责任proportionalreinsurance比例再保险rainstorm雨暴rating费率reinforcedconcretebuilding钢筋混凝土建筑reinstatement恢复保额reinsured分出公司reinsurer再保险人retention自留额retentionareas滞洪区returnperiod重现期revokelicense吊销营业执照seaquake海震secondeventcover第二事件承保securitization证券化seismicdemage震害set-off抵销shearwallstructure剪力墙结构single险位超赔spreadloss分散风险stoploss赔付率超赔stormsurges风暴潮susceptibilityofgoodstowater易受水浸性tarrif费率表TG拐点周期tidalwave海啸topographicmap地形图tornado龙卷风totalsuminsured总保额treaty-limits合约限额tubestructure筒体结构underwritingpolicy承保政策windstorm风暴险种healthinsurance疾病保险，健康保险sicknessinsurance疾病保险insuranceduringaperiodofillness疾病保险insuranceformedicalcare医疗保险majormedicalinsurancepolicy巨额医药费保险lifeinsurance人寿保险endowmentinsurance养老保险insuranceonlastsurvivor长寿保险socialinsurance社会保险personalpropertyinsurance个人财产保险insuranceofcontents家庭财产保险FreefromParticularAverage（F.P.A.）平安险WithParticularAverage（W.P.A.）水渍险AllRisks一切险riskofbreakage破碎险riskofclashing碰损险riskofrust生锈险riskofhookdamage钩损险riskofcontamination(tainting)污染险insuranceagainsttotallossonly(TLO)全损险riskofdeterioration变质险riskofpackingbreakage包装破裂险riskofinherentvice内在缺陷险riskofnormalloss(naturalloss)途耗或自然损耗险riskofspontaneouscombustion自然险riskofcontingentimportduty进口关税险insuranceagainstwarrisk战争险AirTransportationCargoWarRisk航空运输战争险overlandTransportationInsuranceWarRisk陆上运输战争险insuranceagainststrike,riotandcivilcommotion(SRCC)罢工，暴动，民变险insuranceagainstextraneousrisks,insuranceagainstadditionalrisks附加险riskoftheft,pilferageandnondelivery(TPND)盗窃提货不着险riskoffreshand/ofrainwaterdamage(wetting)淡水雨淋险riskofleakage渗漏险riskofshortageinweight/quantity短量险riskofsweatingand/orheating受潮受热险riskofbadodour(changeofflavour)恶味险，变味险riskofmould发霉险ondeckrisk舱面险保险业词汇Termsusedininsuranceindustryaccident意外事故险actuarialmethod精算法AdvanceLossProfits(ALOP)预期利润损失险，利损险Advanceprofit预期利润broker经纪人BusinessInterruptionInsurance(BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险cedingcompany分出公司claim索赔claimsettlement理赔combinedratio综合赔付率ConsequentialLoss(CL)后果损失Contractor'sAllRisks(CAR)建筑工程一切险（建工险）cover保障Delayincompletion完工延误EEI电子设备险engineeringinsurance工程保险ErectionAllRisks(EAR)安装工程一切险（安工险）excessoflosscover超额赔偿EXLprotection超赔保障facultativebusiness临分保IBRNIncurredbutnotreportedlosses已发生但未报的损失IBRNreserveIBRN储备金indemnityperiod/limit赔期/期限inflatedclaim超额索赔insurancecapacity承保能力insuredproperty参保物业Kobe神户Lloyd劳合社long-tail长尾Lossofprofit利损险Machinery(Breakdown)Insurance机器（损坏〕险，机损险mail/sub-contractor主/分承包商maintenance保证期multipleclaim多次（重复）索赔non-life非寿险officer&directorliability雇主保险outstandingclaimreserve未决索赔准备金PCindustryproperty&catastropheindustryperil危险policy保单pool联营possiblemaximumloss可能的最大损失premium保费primaryinsurancecompany原保公司、主保险商principal/employer业主professional专业险profitmargin利润边际property财产险proportionalcover比例分保punitivedamage惩罚性损害rate费率reinsurer分保人（分保公司）reinsurer再保人reserve准备金retention自留returnperiod（巨灾）间隔期short-tail短尾solvencymargin赔偿能力standingcharges维持费用subjectinsured风险标的suminsured保额tarrifzone险区ThirdPartyLiability(TPL)第三者责任险treatiesbusiness合同分保turnover营业额underwriting承保天下金融网workingexpenses/cost营业费用writing承保