1、 33/33個人(grn)、商業保險中英文術語詞匯表AAbandonment 委付Absolute assignment 完全(wnqun)轉讓Accelerated death benefit 加速死亡(swng)給付Accident 意外事故Accidental death benefit 意外死亡保險金Accounts receivable coverage form 應收賬款保單Actual cash value (ACV) 實際現金價值Actual cash value 實際現金價值Actual Cash Value-Mobile home 實際現金價值-活動房屋Additional

2、 auto 新增車輛Additional insured endorsement 附加被保險人批單Additional interests-residence premises endorsement 額外利益-住宅房產批單Additional limits of liability coverages A, B, C and D 保障A 、B、 C、D 額外責任限額批單Additional residence rented to others endorsement 其他出租住宅批單Advertising injury 傳播性傷害Aggregate excess 累計超額Aggregate

3、limit 累計限額Agreed value 議定價值Aircraft insurance 飛機保險All-risk 一切險Alteration 改動American Association of Insurance Service 美國保險服務協會Annual transit policy 年度貨物運輸保單Annuity 年金Appraisal 估價、公估Arbitration 仲裁Assignment Clause 轉讓條款Assignment 轉讓Assumption of liability 承擔責任Auto insurance plan 汽車保險計劃Auto physical dam

4、age 汽車車身物質損失Auto 汽車Automatic premium loan provision 自動保費貸款條款Avoidance 規避BBailee customers policy 委托人顧客(gk)保單Bailee 受托人Bailor 寄托(jtu)人Basic medical expense coverage 基本醫療費用(fi yong)保障 Beachfront and windstorm plan 海濱地區和暴風雨計劃Beneficiary designations 受益人指定條款Betterment 改良Bid bonds 投標保證Bill of lading 提單Bl

5、ackout period 社會保障津貼暫停期Blanket insurance 總括保險Bobtail and deadhead coverage 短尾呆頭保障Bodily injury 人身傷害Boiler and machinery coverage form 鍋爐和機器保障格式Boiler and machinery insurance 鍋爐和機器保險Boiler 鍋爐Bonds 債券BOP special property coverage form 企業所有人保險單特別財產保障格式BOP standard property coverage form 企業所有人保險單標準財產保障格

6、式Breach of contract 違約Broad theft coverage 擴展盜竊險Builders risk coverage form 建筑商風險保障格式Building and personal property coverage form(BPP) 建筑商和個人財產保障格式Building 建筑物Burglary and robbery optional coverage 盜竊和搶劫選擇性保障Burglary 盜竊Business auto coverage form 商業汽車保障格式Business income (and extra expense) coverage

7、age form 營業收入（包括額外費用）保障格式Business income (without extra expense) coverage form 營業收入（不包括額外費用）保障格式Business income changes- educational institutions endorsement 營業收入變化-教育機構批單Business income insurance 營業收入保險Business income premium adjustment endorsement 營業收入保單保費調整批單Business income 營業收入Business owners li

8、ability coverage form 企業所有人責任保障格式Business owners policy (BOP) 企業所有人保險單Business personal property 商用個人財產Business pursuits endorsement 商業事務批單CCalendar-year deductible 日歷(rl)年度免賠額Camera and musical instrument dealer coverage form 照相機和樂器(yuq)經銷商保單格式Cancellation 撤銷(chxio)（保單）Capital appreciation 資本升值Car

9、pools 汽車合用組織Cargo war risk policy 貨物運輸戰爭風險保單Cause of loss 損失原因Causes of loss forms 損失原因格式Causes of loss-basic form 損失原因-基本格式Causes of loss-broad form 損失原因-廣義格式Causes of loss-earthquake form 損失原因-地震保單Causes of loss-special form 損失原因-特殊格式Civil law 民法Claim expenses 理賠費用Claims-made coverage trigger 提出索賠

10、式觸發機制Class beneficiary 集體受益人Class code 類別號Class rating 分級費率Coinsurance 共同保險（共保）Collapse 倒塌Collateral assignment 擔保性轉讓Collision coverage 碰撞保障Collision damage waiver 碰撞損失棄權書Collision insurance 碰撞保險Collision 碰撞Combined single limit 綜合單一限額Commercial automobile insurance 商業汽車保險Commercial crime insurance

11、商業犯罪保險Commercial general liability insurance 商業普通責任保險Commercial insurance 商業保險Commercial Lines Manual (CML) 商業保險手冊Commercial package policy(CPP) 商業一攬子保險保單Commercial property conditions form 商業財產保險條件格式Commercial property conditions 商業財產保險承保條件Commercial property coverage form 商業財產保障格式Commercial proper

12、ty coverage part 商業財產保障部分Commercial property declaration page 商業財產保單聲明頁Commercial property insurance 商業財產保險Common carriers 一般承運人Common policy conditions 一般保單條件Common stock 普通股Comparative negligence law 比較(bjio)過失法Compensatory damages 補償性損害(snhi)賠償金Competitive state funds 競爭性州基金(jjn)Completed operati

13、ons liability exposure 完工責任風險Comprehensive coverage 綜合保障Compulsory insurance law 強制保險法Computer fraud 計算機行竊Concealment 隱瞞Concurrent causation 并發損失Conditionally renewable條件可續保Condominium association coverage form 共有產權機構保單格式Condominium association insurance 共管住宅協會保險Condominium commercial unit-owners co

14、verage form 共有產權商業單元所有人保單格式Condominium declaration 共管住宅聲明書Condominium master policy 共管住宅業主保單Condominium units 共管住宅單位Condominium 共管住宅Consequential damage endorsement 后續損失批單Contingent beneficiary 或有受益人Continuing expenses 繼續發生的費用Contract bonds 合同保證Contract carriers 合同承運人Contract 合同Contractors equipment

15、 floater 承運人設備運輸保險Contractual liability 合同責任Contributory negligence law 共有過失法Contributory plan 分攤型計劃Convertible 可轉換Cooperative unit 共有單元Coordination-of-benefit provision 協調給付條款Corridor deductible 通道免賠額Cost-of-living rider 生活成本調整附加條款Court bond 法庭擔保Coverage C increased special limits of liability 保障C提

16、高特殊責任限額批單Coverage for damage to your auto (Max limit of liability) endorsement 車輛損失險（最大責任限額）批單Coverage for damage to your auto 車輛損失險Coverage for excess sound reproducing equipment, audio visual and data electronic equipment, and tapes, records, disks and other media endorsement 額外的聲音復制設備，聲頻，視頻及數據電子設

17、備，磁帶、錄制品唱片以及其他媒介保險批單Coverage symbols 承保標志Credit card, fund transfer card, forgery and counterfeit money coverage endorsement 信用卡、轉賬卡、偽造品和偽幣(wi b)保險批單Credit card, fund transfer card, forgery and counterfeit money 信用卡、轉賬(zhun zhn)卡、偽造品和偽幣Crime insurance 犯罪(fn zu)保險Criminal law 刑法Current assumption who

18、le life insurance 當期假設終身壽險Current interest rate 當期利率Currently insured 目前被保險Custodian 管理人Customizing equipment coverage endorsement 定制設備保險批單DDamages 損害賠償金Damages 損失Debris removal 損遺物清理Declaration 說明Decreasing term insurance 保額遞減型定期壽險Deferred annuity 延期年金Defined benefit plan 規定收益計劃Defined contribution

19、 plan 規定繳費計劃Dental insurance 牙科保險Dependency period 依賴期Dependent property exposures 連帶財產風險（間接營業中斷風險）Destruction 毀壞DIC, difference in conditions policy 補足保險保單Difference in conditions (DIC) insurance 補足保險Difference in conditions (DIC) policy 補足保險保單Diminution in value 貶值Directors and officers liability

20、policies 董事和經理人責任保險單Disability income insurance 傷殘收入保險Disability insured 傷殘被保險Disappear 消失Discovery period 發現期Dismemberment 失能Diversification 多元化Dividend options 紅利支付選擇權條款Drop down coverage 順延責任保障Dwelling policy 住宅保單EEach occurrence limit 每一事件(shjin)限額Earthquake endorsement 地震(dzhn)批單Education IRA 教

21、育(jioy)IRAElectronic data processing (EDP) equipment floater 電子數據處理設備運輸流動保單Eligibility period 資格期Elimination period 免責期間Emergency program 緊急計劃Employee benefits liability insurance 雇員福利責任保險Employee dishonesty optional coverage 雇員欺詐行為選擇性保障Employee dishonesty 雇員不忠誠Employee 雇員Employers non ownership lia

22、bility 非雇主所有的汽車責任Employment practices liability insurance 雇用行為責任保險Endorsement 批單Ensuing losses 繼發損失Equipment dealers coverage form 設備經銷商保單格式Errors and omissions liability policy 過錯和遺漏責任保單Estate clearance fund 遺產清理基金Estate settlement 遺產分配Evidence of insurability 可保性證明Excess liability policies 超額責任保單E

23、xclusive provider organization 專門供應者組織Expediting expenses 加速費用Experience rating plan 經驗費率計劃Exposure 風險，風險載體Extended business income 延長期營業收入Extended non-owned coverage for named individual endorsement 為記名被保險人擴展非自有車輛責任批單Extended period of indemnity 補償的延長期期限Extended reporting period 延長報告期Extended term

24、insurance 展期保險Exterior glass optional coverage 外部玻璃選擇性保障Extortion 敲詐勒索Extra expense coverage form 額外費用保障格式Extra expenses 額外費用Extraterritorial provisions 治外法權條款FFAIR plans, beachfront and windstorm plans 公平(gng png)保險需求計劃（FAIR），海岸(hi n)及風暴計劃FAIR, Fair Access to Insurance Requirements Plans 公平保險(boxin

25、)需求計劃Farm insurance policies 農場保險保單Farm insurance 農場保險Farmers personal liability endorsement 農場主個人責任批單Fatality rate 事故死亡率FDIC, federal deposit insurance corporation 聯邦儲蓄保險公司Federal surety bond 聯邦保證保險FEMA 聯邦緊急事務管理局Fiduciary bond 信托擔保Fiduciary liability insurance 信托責任保險Film coverage form 影視保單Financial

26、 institution bonds 金融機構保證保險Financial planning 財務計劃Financial responsibility 經濟責任法Finish stock 制成品存貨Fire damage limit 火損限額Fire department service charge 消防費用Fire department service charge 消防局服務費用Fire legal liability coverage 火宅法律責任保障First named insured 第一指定被保險人First party insurance 第一方保險First-party in

27、surance 第一方汽車責任保險Fixed annuity 定額年金Fixed-amount option 固定給付金額方式Fixed-period option 固定給付期限方式Flat deductibles 統一免賠額Flexible-premium annuity 可變保費年金Flood insurance policies 洪水保險保單Floor plan coverage form 抵押物保單格式Forgery 偽造Freight 運費Friendly fire 善意之火Functional replacement cost 同功能重置成本GGarage business 汽車經

28、營業務Garage coverage form 汽車服務商保單Garage keepers insurance 車輛(chling)照管人保險Garage policy 車庫(ch k)保險General aggregate limit 全部累計(li j)限額General average 共同海損General damages 一般損害賠償金General provision 一般條款Glass coverage form 玻璃保險Glass or safety glazing material 玻璃或安全玻璃材料Grace period 寬限期Guaranteed cost polici

29、es 成本保證保單Guaranteed insurability 保證可保性Guaranteed renewable 保證可續保HHealth insurance, including Medicare 健康保險，包括政府醫療保障保險Health maintenance organization 健康維持組織Highly protected risks 高度保護風險HO- 6 unit-owners form HO-6 共同所有者格式HO-2 broad form HO-2 廣義格式HO-4 contents broad form HO-4 室內物品擴展格式HO-8 modified cove

30、rage form HO-8修改的承保范圍格式Hold harmless agreement 免除傷害協議Home business endorsement 家庭商業保險批單Home business insurance coverage endorsement 家庭商業保險保障批單Home day care coverage endorsement 家庭日托保險批單Homeowner policy 屋主保單Homeowners 3 special form 屋主保單3號特殊格式Hospital expense insurance 住院費用保險Hostile fire 惡意之火HPR insu

31、rance 高度保護風險保單Hull insurance 船舶保險Hull 船體Human loss exposure 人身損失風險（載體）IImmediate annuity 即期年金Implied permission 默認許可Improvements and betterments 提高和改良Incidental farming personal liability endorsement 附屬性農場個人責任批單Incidental motorized land conveyance endorsement 偶用機動化陸地交通工具批單Incontestable clause 不可爭條款I

32、ncreased limit on personal property in other residence endorsement其他(qt)居所個人財產提高責任限額批單Independent contractor 獨立(dl)訂約人Inflation guard endorsement 抵消(dxio)通貨膨脹批單Inflation guard 通貨膨脹保護Inland marine insurance 內陸運輸保險Installation floater 安裝流動保單Insurable interest 可保利益Insured contract 被保險合同Insured location

33、 承保區域Insured status 被保險資格Intentional tort 故意侵權Interest option 利息給付方式Interest-sensitive life insurance 利率敏感型壽險Interior glass optional coverage 內部玻璃選擇性保障Investing 投資Investment risk 投資風險Irrevocable beneficiary 不可變更受益人ISO, Insurance Service Office 保險服務局ISOs homeowners policy program manual ISO屋主保單計劃手冊JJ

34、ewelers block coverage form 珠寶保單格式Joint-and-survivor income option 共同生存收入方式JUAs 聯合承保協會Judgment rating 判斷定費發Judicial bond 司法保證KKeogh plan 基奧計劃LLandlords furnishings 房東的家具Legal liability 法律責任Liability coverage 責任險Liberalization clause 自動承保條款License bond 執照擔保Lien holder 留置權人Life income option 終身收入方式Lif

35、e insurance amount 人壽保險(rn shu bo xin)限額Life insurance 人壽保險(rn shu bo xin)Limited Mexico coverage endorsement 有限制(xinzh)的墨西哥保險批單Limited payment life insurance 限期繳費終身壽險Limited theft coverage 有限盜竊險Line of business 業務范圍Liquidity 流動性Liquor liability coverage form 酒類責任保單格式Litigation 起訴Livestock collision

36、 coverage endorsement 家畜碰撞險批單Long-term care insurance 長期護理保險Loss adjustment endorsement 損失調整批單Loss assessment coverage endorsement 損失追征金保險批單Loss assessment coverage 損失評估保障Loss assessment 損失追征金Loss conditions 損失條件Loss control 損失控制Loss cost 損失費用Loss exposure 損失風險Loss prevention 防損Loss reduction 減損MMai

37、l coverage form 郵件保單Maintenance bond 維修保證Maintenance of underlying insurance condition 維持基本保險條件Maintenance of underlying insurance condition 下層保單的維持條件Major medical insurance 大宗醫療費用保險Managed care plans 管理醫療計劃Marine extension clauses 海上保險擴展保障條款Marine insurance 運輸保險Market value 市場價值Master deed 業主證書Mate

38、rial fact 重要事實Material misrepresentation 重大不實告知Maximum period of indemnity 最長補償期限Maximum probable loss (MPL) 最大可能損失Mechanical breakdown optional coverage 機械故障選擇性保障Medicaid 政府醫療補助計劃Medical expense limit 醫療費用限額Medical payment coverage 醫療費用賠償險Medical payment insurance 醫療給付保險Medical payments to others 他

39、人醫療費用(fi yong)保險Medicare 政府(zhngf)醫療保障計劃Messenger 信使(xnsh)Mint condition 完好無損Miscellaneous real property coverage 混合不動產保障Miscellaneous type vehicle amendment(motor home)其他車輛修正批單（移動房車）Miscellaneous type vehicle endorsement 多種車輛保險Miscellaneous type vehicle endorsement 其他車輛保險批單Misrepresentation 不實告知Mis

40、representation 誤告Misstatement of age or sex 年齡或性別誤報條款Mobile equipment 機動設備Mobile home endorsement 活動房屋批單Mobile home insurance 活動房屋保險Mobile home lienholders single interest 活動房屋留置權人單方面利益Monetary threshold 貨幣臨界Money and securities optional coverage 貨幣和證券選擇性保障Money purchase pension plan 保費基準制養老金計劃Money

41、 現金Monocline policy 單一保險保單Monopolistic state funds 壟斷性州基金Monthly limit of indemnity 每月補償限額Moral hazard 道德風險Motor carrier coverage form機動車承運人保單格式Motor truck cargo insurance 卡車貨運保險Multistate revisions 多州修訂本Mutual funds 共同基金NNamed insured 記名被保險人National Council on Compensation Insurance 美國勞工保險委員會Nation

42、al flood insurance program (NFIP) 全國洪水保險計劃National flood insurance program, NFIP國家洪水保險計劃National security Council 國家安全理事會Nationwide marine definition 全國范圍運輸定義Needs approach 需求法Net income 凈收入Net worth 凈財富Newly acquired auto 新置車輛No-fault automobile insurance 無過失汽車保險Non cancelable 不可撤銷Non forfeiture op

43、tions 不喪失價值(jizh)選擇權條款Nonfiled policies 非歸檔(gudng)保單Noninsurance transfer 非保險(boxin)風險轉移Non-owned auto 非自有車輛Nonparticipating policies 非分紅型保單Nonrenewable 拒絕續保OObject definitions endorsements 對象定義批單Object 對象Obligee 權利人Occurrence coverage trigger 事故發生式觸發機制Occurrence limit 事故限額Occurrence 事件Ocean marine

44、insurance 海洋運輸保險Open cargo policy 預約貨物運輸保單Operation 經營Operations liability exposure 業務經營責任保險Ordinance or law coverage 法令或法律保險Ordinance or law 法令或法律Ordinance or law-increased amount of coverage endorsement 法令或法律提高保險金額批單Ordinance or law-increased period of restoration endorsement 法令或法律增加的恢復期間批單Ordinar

45、y life insurance 普通壽險 Ordinary payroll limitation or exclusion endorsement 普通工人工資限制或除外責任批單Other insurance 其他保險 Other structure 其他建筑Other structure-increased limits endorsement 其他建筑提高責任限額批單Other-than-collision loss 非碰撞損失Outdoor signs optional coverage 室外標志選擇性保障Out-of-state coverage 州外保險Owner-operator

46、s 所有者-運營者Owners and contractors protective liability coverage 所有人和承包商保護性責任批單PPackage modification factors 一攬子保單修正系數Package policy 一攬子保險保單Paid-up additions 增額繳清保險Participating policies 分紅(fn hng)型保單Particular average 單獨海損Payment bond 支付(zhf)保證Peak season limit of insurance endorsement 高峰(gofng)季節保險金額

47、批單Performance bond 履約保證Peril 風險事故Perils of the seas 海上危險Period of restoration 恢復期間Permanent partial disability永久部分殘疾Permanent total disability 永久全殘Permit bond 允許擔保Permitted incidental occupancies-residence premises endorsement許可的附屬性占有住宅房產批單Permitted incidental occupancy endorsement 許可的附屬性占用批單Persona

48、l and advertising injury limit 個人傳播性傷害限額Personal articles floater 個人特定財產保險Personal articles floater 個人物品流動保險單Personal auto insurance 個人汽車保險Personal auto policy 個人汽車保單Personal effects floater 個人流動物品保單Personal injury endorsement 個人傷害批單Personal injury protection個人傷害保障Personal injury 個人傷害Personal insura

49、nce 個人保險Personal liability supplement 個人責任補充保險Personal loss exposure 個人損失風險，個人損失風險載體Personal property floater 個人財產流動保險單Personal property of others 他人個人財產Personal property replacement cost endorsement 個人財產重置成本批單Personal risk management 個人風險管理Personal umbrella liability insurance 個人傘式責任保險Physical cove

50、rage 車身損失險Physical damage coverage 物質損失險Physicians visits insurance 醫生診費保險Physicians and surgeons equipments coverage form 醫師用具保單格式Physicians professional liability policy 內科醫生職業責任保單Pickup 小型運貨車PIP endorsement 人身傷害保障批單Point-of-service plan 自選醫療服務機構計劃Policy period 保單期Pollutant cleanup and removal 污染物

51、清理和轉移Pollution liability coverage form 污染責任保單格式Portability 可移植性Post judgment interest 判決后利息Power, heat, and refrigeration Endorsement 供電(n din)、加熱及制冷費用批單Pre judgment interest 預斷(ydun)利息Pre-existing conditions 既存病況(bngkung)Preferred provider organization 優先供應者組織Preferred stock 優先股Premature death 早逝Pr

52、emise liability exposure 營業場所責任風險Premises alarm or fire protection system endorsement 居所警報或防火系統批單Premium audit 費率審計Premium base 保費基礎Preservation of property 財產保存Presumptive disability 推定傷殘Principal 被保證人Principle Liability Coverage 基本責任保險Private carriers 私人承運人Private passenger auto 私人轎車Pro rata refun

53、d 比例返還Probate 遺囑檢驗Products liability exposure 產品責任風險Products-completed operations aggregate limit 產品及完工累計限額Professional liability policies 職業責任保險單Professional liability 職業責任Profit sharing plan 利潤分享計劃Proof of loss 損失證明Property damage 財產損壞Property exposed to loss 受險財產Property loss exposure 財產損失風險Prope

54、rty other than money and securities 現金和有價證券外的其他財產Property removed increased limit 提高移走財產責任限額Property removed 移走的財產Protection and indemnity (R&I) insurance 保賠保險Protection and indemnity insurance 保護和賠償金保險Punitive damages 懲罰性損害賠償金RRate 費率Rater 費率厘定人Rating factors 費率因素Rating 費率制定Readjustment period 重整期R

55、eal estate investment trusts(REITs)不動產投資信托Real estate 不動產Reasonable repairs 合理(hl)的修理Reduced paid-up insurance 減額繳清保險(boxin)Reentry 再投保Regular program 常規(chnggu)計劃Reinstatement clause 復效條款Reinsurance facilities 再保險機構Released value bill of lading 豁免價值提單Renewable 可續保Replacement auto 重置車輛Replacement co

56、st 重置成本Residence employee 住所雇員Residence premises 住宅房產Residence premises-three or four family dwelling endorsement 住宅房產由三個或四個家庭使用的住宅保險批單Residual disability 后續傷殘收入減少給付Residual market 剩余市場 Retention 自留Retroactive date 回溯日Retrospective rating plan 追溯費率計劃Revocable beneficiary 可變更受益人Rider 附加條款Risk managem

57、ent 風險管理Robbery 搶劫Roth IRA 稅后個人退休賬戶SSafe burglary 保險箱入室行竊Safe driver rating plan 駕駛者安全行駛費率計劃Salvage 救助費用Saving Incentive Match Plan for Employees SIMPLE計劃（匹配雇員儲蓄機動計劃）Saving 儲蓄Scheduled article 表定財產Scheduled personal property endorsement 列舉式個人財產保險批單Seasonal increase provision 季節性增加條款Securities 有價證券Se

58、lf-insured retention (SIR) 自保自留Self-insured retention 自保自留額SEP，simplified employee pension 簡化的雇員養老金Separate account 分離賬戶Settlement options 賠付方式選擇Severability of insurance 保險的可分性Shared market 共享市場(shchng)Signs coverage form 標記(bioj)物保單格式Single liability limit endorsement 單一(dny)責任限額批單Small boat polic

59、y 小型船只保單Small business boiler and machinery forms 小企業鍋爐和機器保障格式Snowmobile endorsement 機動雪橇批單Social Security 社會保障Soft cost coverage 軟費用保障Special computer coverage endorsement 計算機特別保險批單Special coverage 特別保障Special damages 特殊損害賠償金Special flood hazard areas 特別洪水風險地區Special personal property coverage endo

60、rsement 特別個人財產保險批單Specialty insurers 專營保險人Specific beneficiary 特定受益人Specific excess 特定超額Specific insurance 特定保險Specific rating 特定費率Specified causes of loss coverage 特定原因損失保障Specified causes of loss 特殊風險事故Split limit 分項限額Stacking 重疊Standard Coverage Homeowners Program 標準屋主保險計劃Statute 法規Stop gap cover