risk covered by insurance

简明释义

属于保险范围的风险

英英释义

例句

1.When you purchase a car, it's important to understand what risk covered by insurance applies in case of an accident.

购买汽车时，了解在发生事故时适用的由保险覆盖的风险是很重要的。

2.Homeowner's insurance provides coverage for various risk covered by insurance like theft and natural disasters.

房主保险提供对多种由保险覆盖的风险的保障，例如盗窃和自然灾害。

3.Travel insurance typically includes risk covered by insurance for trip cancellations and medical emergencies.

旅游保险通常包括因行程取消和医疗紧急情况而产生的由保险覆盖的风险。

4.Before starting your business, assess all potential risk covered by insurance to ensure proper coverage.

在开始业务之前，评估所有潜在的由保险覆盖的风险以确保适当的保障。

5.The fire damage to the building is a risk covered by insurance, ensuring that we can rebuild without financial loss.

建筑物的火灾损害是一个由保险覆盖的风险，确保我们可以在没有财务损失的情况下重建。

作文

In today's world, insurance plays a crucial role in managing uncertainties and protecting individuals and businesses from potential losses. One of the key concepts in the realm of insurance is the idea of risk covered by insurance (保险承保的风险). This term refers to the various types of risks that insurance policies are designed to mitigate, allowing policyholders to feel secure in their financial decisions. Understanding what constitutes a risk covered by insurance (保险承保的风险) can help individuals make informed choices when selecting insurance products. Insurance is essentially a contract between an insurer and a policyholder, where the insurer promises to compensate the policyholder for specific losses in exchange for regular premium payments. The types of risks covered by insurance can vary widely, including health-related issues, property damage, liability claims, and even loss of income due to unforeseen circumstances. For example, health insurance covers medical expenses resulting from illnesses or accidents, while homeowners insurance protects against damages to one’s property caused by fire, theft, or natural disasters. The concept of risk covered by insurance (保险承保的风险) is vital because it allows individuals and businesses to transfer the financial burden of certain risks to the insurance company. This transfer of risk provides peace of mind, knowing that in the event of an unfortunate incident, there is a safety net in place. For instance, if a business suffers a significant loss due to a natural disaster, having a comprehensive insurance policy can ensure that they receive compensation to help them recover and rebuild. Moreover, understanding the scope of risk covered by insurance (保险承保的风险) is essential for effective risk management. Not all risks are insurable; some may be deemed too high-risk or unmanageable by insurers. Therefore, individuals and businesses must assess their unique situations to determine which risks can be covered and which ones they must handle independently. This assessment often involves evaluating factors such as the likelihood of occurrence, potential financial impact, and the cost of insurance premiums. Additionally, the landscape of insurance is continually evolving, with new risks emerging due to technological advancements and changing societal norms. For example, cyber insurance has become increasingly important as businesses face growing threats from cyber-attacks. This type of insurance specifically addresses the risk covered by insurance (保险承保的风险) related to data breaches and online fraud, highlighting the need for tailored insurance solutions in today’s digital age. In conclusion, the concept of risk covered by insurance (保险承保的风险) is a fundamental aspect of financial security in our modern society. By understanding the types of risks that can be insured, individuals and businesses can take proactive steps to protect themselves against potential losses. As we continue to navigate an unpredictable world, the importance of insurance and the risks it covers cannot be overstated. It serves not only as a financial safeguard but also as a critical component of responsible planning and risk management.

在当今世界，保险在管理不确定性和保护个人及企业免受潜在损失方面发挥着至关重要的作用。在保险领域，一个关键概念是“保险承保的风险”。这个术语指的是保险政策旨在减轻的各种风险类型，使保单持有者在财务决策时感到安全。理解什么构成了“保险承保的风险”可以帮助个人在选择保险产品时做出明智的选择。保险本质上是保险公司与保单持有者之间的合同，其中保险公司承诺在特定损失发生时对保单持有者进行赔偿，以换取定期的保费支付。保险承保的风险类型可以广泛变化，包括健康相关问题、财产损失、责任索赔，甚至由于不可预见的情况造成的收入损失。例如，健康保险覆盖因疾病或事故产生的医疗费用，而房主保险则保护因火灾、盗窃或自然灾害造成的财产损失。“保险承保的风险”的概念至关重要，因为它允许个人和企业将某些风险的财务负担转移给保险公司。这种风险转移提供了心理安慰，让人们知道在不幸事件发生时，有一个安全网在身边。例如，如果一家企业因自然灾害遭受重大损失，拥有全面的保险政策可以确保他们获得赔偿以帮助他们恢复和重建。此外，了解“保险承保的风险”的范围对于有效的风险管理至关重要。并非所有风险都是可保的；一些风险可能被保险公司视为过高风险或无法管理。因此，个人和企业必须评估其独特情况，以确定哪些风险可以获得保障，哪些风险必须独立处理。这种评估通常涉及评估发生的可能性、潜在的财务影响以及保险保费的成本等因素。此外，保险的格局在不断演变，随着技术进步和社会规范的变化，新风险不断出现。例如，网络保险变得越来越重要，因为企业面临来自网络攻击的日益增长的威胁。这种类型的保险专门针对与数据泄露和在线欺诈相关的“保险承保的风险”，突显了在当今数字时代量身定制保险解决方案的必要性。总之，“保险承保的风险”的概念是我们现代社会财务安全的基本方面。通过了解可以投保的风险类型，个人和企业可以采取主动措施保护自己免受潜在损失。随着我们继续在不可预测的世界中航行，保险及其承保的风险的重要性不容小觑。它不仅作为财务保障，还作为负责任的规划和风险管理的重要组成部分。