excess carrier

简明释义

过剩载劣

英英释义

例句

1.Our financial advisor recommended an excess carrier to complement our existing insurance policies.

我们的财务顾问建议我们选择一个超额承保人来补充我们现有的保险政策。

2.In our agreement, we specified that the excess carrier would handle any costs above the initial coverage limit.

在我们的协议中，我们规定超额承保人将处理超过初始保障限额的任何费用。

3.The excess carrier can help mitigate risks associated with high-value assets.

该超额承保人可以帮助减轻与高价值资产相关的风险。

4.Many businesses opt for an excess carrier to ensure they are protected against large unforeseen losses.

许多企业选择超额承保人以确保他们受到大额不可预见损失的保护。

5.The insurance policy includes an excess carrier that covers claims exceeding the deductible amount.

保险政策包括一个超额承保人，该承保人覆盖超过免赔额的索赔。

作文

In today's fast-paced world, the concept of insurance has become increasingly important for individuals and businesses alike. One term that often comes up in discussions about insurance is excess carrier. An excess carrier refers to an insurance company that provides coverage above a certain limit set by a primary insurer. This type of coverage is crucial for those who want to protect themselves from significant financial losses that could arise from unforeseen circumstances. Understanding the role of an excess carrier can help individuals and businesses make informed decisions about their insurance needs.The primary function of an excess carrier is to offer additional liability coverage that kicks in after the limits of the primary insurance policy have been exhausted. For example, if a business has a primary liability policy with a limit of $1 million and faces a lawsuit that results in damages of $2 million, the primary insurer would pay out the first $1 million, while the excess carrier would cover the remaining $1 million. This layered approach to insurance helps mitigate risks and ensures that policyholders are not left vulnerable to catastrophic losses.One of the key advantages of using an excess carrier is the added peace of mind it provides. Knowing that there is an additional layer of protection can alleviate concerns about potential liabilities. This is particularly important for businesses operating in high-risk industries, such as construction or healthcare, where the likelihood of facing large claims is significantly higher. By securing coverage through an excess carrier, these businesses can continue their operations with greater confidence.Moreover, the cost of obtaining coverage from an excess carrier is often relatively low compared to the potential financial exposure. Premiums for excess coverage tend to be more affordable than one might expect, especially when considering the high stakes involved. This makes it a smart investment for both individuals and organizations looking to safeguard their assets.However, it is essential to understand that not all excess carriers are created equal. When selecting an excess carrier, it is vital to conduct thorough research and choose a reputable company with a solid financial standing. Policyholders should also carefully review the terms and conditions of the excess coverage to ensure it aligns with their specific needs. Factors such as coverage limits, exclusions, and any additional requirements should be taken into account to avoid potential pitfalls down the road.In conclusion, the role of an excess carrier in the insurance landscape cannot be overstated. It provides an essential safety net for individuals and businesses facing significant risks. By understanding how an excess carrier works and the benefits it offers, policyholders can make better-informed choices regarding their insurance coverage. As the saying goes, it is always better to be safe than sorry, and having an excess carrier in place can be a crucial step toward achieving that safety in today's unpredictable world.

在当今快节奏的世界中，保险的概念对个人和企业变得越来越重要。在讨论保险时，一个常常出现的术语是超额承保人。超额承保人是指提供超过主保险公司设定的某一限额的保险公司的保险。对于那些希望保护自己免受不可预见情况下可能造成的重大财务损失的人来说，这种类型的保险覆盖至关重要。理解超额承保人的作用可以帮助个人和企业做出明智的保险需求决策。超额承保人的主要功能是提供额外的责任保险覆盖，该覆盖在主保险政策的限额被用尽后生效。例如，如果一家企业的主责任保险政策限额为100万美元，而面临一项导致200万美元损害的诉讼，则主保险公司将支付前100万美元，而超额承保人将覆盖剩余的100万美元。这种分层的保险方法有助于降低风险，并确保投保人不会因灾难性损失而处于脆弱状态。使用超额承保人的一个主要优势是它提供的额外安心。知道有额外的保护层可以缓解对潜在责任的担忧。这对在高风险行业（如建筑或医疗保健）运营的企业尤其重要，因为面临大额索赔的可能性显著增加。通过通过超额承保人获取保险，这些企业可以在更大的信心下继续运营。此外，获得超额承保人的覆盖成本通常相对较低，相比于潜在的财务风险。超额保险的保费往往比人们预期的要实惠，特别是考虑到所涉及的高风险。这使其成为个人和组织希望保护资产的明智投资。然而，了解并非所有的超额承保人都是平等的。在选择超额承保人时，进行彻底的研究并选择一家信誉良好、财务状况稳健的公司至关重要。投保人还应仔细审查超额覆盖的条款和条件，以确保其符合特定需求。诸如覆盖限额、排除条款和任何附加要求等因素都应考虑在内，以避免未来可能的陷阱。总之，超额承保人在保险领域的作用不可低估。它为面临重大风险的个人和企业提供了必要的安全网。通过理解超额承保人的运作方式及其提供的好处，投保人可以更好地做出关于保险覆盖的明智选择。正如俗话所说，未雨绸缪总比事后补救好，而在当今不可预测的世界中，拥有超额承保人可以是实现这种安全的重要一步。