insurable

简明释义

英[ɪnˈʃʊərəb(ə)l]美[ɪnˈʃʊrəbl]

adj. 可保险的，适合保险的

英英释义

单词用法

同义词

反义词

例句

1.An insurance contract without an insurable interest to support it is invalid and any claim made upon it will not be entertained.

没有可保利益的保险合同是无效的。而任何根据这类合同提出的索赔都不会被受理。

2.From the angle of hydrological analysis, the safety of the subway is insurable.

从水文分析看，该地铁的安全是有保障的。

3.The insurable interest is the legal economic interest of the insured or the beneficiary.

保险利益指的是被保险人或受益人对保险标的所具有的合法经济利益。

4.Later, in the Life Assurance Act 1774 of England, the regulations of insurable interest were applied to the field of personal insurance.

此后，在英国1774年的《人身保险法》中，保险利益的规定开始应用于人身保险领域。

5.An insurance contract without an insurable interest to support it is invalid and any claim made up it will not be entertained.

没有可保利益的保险是无效的，而任何根据这类合同提出索赔都不会被受理。

6.It is a pity that our law of admiralty has not provided any principle of insurable interest.

但令人遗憾的是，我国《海商法》对保险利益原则并未加以规定。

7.Before starting a business, ensure that you have all insurable assets documented.

在开办企业之前，确保所有可投保的资产都有记录。

8.The insurance company will assess whether the item is insurable based on its value.

保险公司将根据物品的价值评估该物品是否可投保。

9.In some cases, older vehicles may be deemed not insurable.

在某些情况下，老旧车辆可能被认为不可投保。

10.Certain high-risk activities may not be insurable.

某些高风险活动可能无法投保。

11.Homeowners should check if their property is considered insurable.

房主应该检查他们的财产是否被认为是可投保的。

作文

In today's complex financial landscape, understanding the concept of insurable risks is crucial for individuals and businesses alike. An insurable risk is defined as a risk that can be covered by an insurance policy. This means that the risk must be quantifiable, unexpected, and not catastrophic in nature. For instance, the risk of a car accident is considered insurable because it can be statistically analyzed, and insurance companies can calculate premiums based on the likelihood of such events occurring. On the contrary, risks that are deemed uninsurable often involve significant unpredictability or are too broad to effectively manage through insurance. Natural disasters like earthquakes or floods can be challenging to insure due to their potentially devastating impacts and the difficulty in predicting when they might occur. As a result, many insurance companies may exclude these types of risks from their policies, leaving individuals and businesses to bear the full brunt of the consequences.Understanding whether a risk is insurable can help individuals make informed decisions about their financial planning. For example, someone considering purchasing a home may want to assess various insurable risks, such as fire damage or theft, to determine the appropriate insurance coverage needed to protect their investment. By evaluating these factors, homeowners can ensure they have adequate protection against potential losses.Businesses also face numerous insurable risks that can impact their operations. These can include liability claims, property damage, and employee-related risks. By identifying these insurable risks, companies can develop comprehensive insurance strategies to mitigate potential financial losses. Additionally, having proper insurance coverage can enhance a business's credibility and stability, making it more attractive to investors and clients.Moreover, the concept of insurable risks plays a significant role in risk management strategies. Organizations often conduct risk assessments to identify potential threats and evaluate their insurable nature. By doing so, they can prioritize which risks require immediate attention and which can be managed through insurance policies. This proactive approach not only helps in safeguarding assets but also ensures compliance with legal and regulatory requirements.In conclusion, the term insurable encompasses a fundamental aspect of risk management in both personal and professional domains. Recognizing and understanding insurable risks allows individuals and organizations to make informed decisions regarding their insurance needs. As the world continues to change, the importance of being aware of insurable risks will only grow, highlighting the need for ongoing education and adaptation in the face of uncertainty. Whether it is through securing insurance for a home, a vehicle, or a business, acknowledging the significance of insurable risks is essential for financial security and peace of mind.

在当今复杂的金融环境中，理解“可保险”风险的概念对个人和企业来说至关重要。“可保险”风险被定义为可以通过保险政策覆盖的风险。这意味着风险必须是可量化的、不可预见的，并且性质上不能具有灾难性。例如，汽车事故的风险被视为“可保险”的，因为它可以进行统计分析，保险公司可以根据此类事件发生的可能性计算保费。相反，被认为不可保险的风险通常涉及重大不可预测性，或过于广泛而无法通过保险有效管理。自然灾害如地震或洪水由于其潜在的毁灭性影响以及预测何时可能发生的困难，可能很难获得保险。因此，许多保险公司可能会将这些类型的风险排除在其政策之外，使个人和企业不得不承担后果的全部负担。了解一个风险是否“可保险”可以帮助个人做出明智的财务规划决策。例如，考虑购买房屋的人可能希望评估各种“可保险”风险，如火灾损害或盗窃，以确定保护其投资所需的适当保险覆盖范围。通过评估这些因素，房主可以确保他们拥有足够的保护，以应对潜在的损失。企业也面临着许多可能影响其运营的“可保险”风险。这些风险可能包括责任索赔、财产损失和与员工相关的风险。通过识别这些“可保险”风险，公司可以制定全面的保险策略，以减轻潜在的财务损失。此外，拥有适当的保险覆盖范围可以增强企业的信誉和稳定性，使其对投资者和客户更具吸引力。此外，“可保险”风险的概念在风险管理策略中发挥着重要作用。组织通常会进行风险评估，以识别潜在威胁并评估其“可保险”性质。通过这样做，他们可以优先处理哪些风险需要立即关注，哪些可以通过保险政策进行管理。这种主动的方法不仅有助于保护资产，还确保遵守法律和监管要求。总之，“可保险”这一术语涵盖了个人和专业领域风险管理的基本方面。认识和理解“可保险”风险使个人和组织能够就其保险需求做出明智的决策。随着世界的不断变化，意识到“可保险”风险的重要性只会增加，这突显了在不确定性面前持续教育和适应的必要性。无论是通过为房屋、车辆还是企业投保，承认“可保险”风险的重要性对于财务安全和内心的平静至关重要。