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1、专业口译词汇自然灾害及保险类词汇(earthquake)intensity（地震）强度梅卡利仪测量破坏程度(earthquake)magnitude（地震）烈度里氏仪测量震感强度aftershock余震AlternativeRiskTransfer新型风险转移anti-seismicdesign（房屋）抗震设计Businessinterruption营业中断险capacity承保能力CARconstructionallrisks建工一切险或：建工险catastropheXL巨灾超赔CEA加州地震局cedingcompany分出公司contingentliquidity或有流动性co-relat
2、edrisks关联风险coverage受保范围deductibles免赔额EARerectionallrisks安工一切险或：安工险earthquakeexposurezone地震风险区EQ-earthquake地震excessofloss（XL)超赔分保experiencefund经验基金exposure暴露面exposurerating风险评估facultativereinsurance临时再保险(可选择的保险，非强制性的)FAS13No.13FinancialAccountingStandardfault断层financialquotashares成数分保financialreinsur
3、ance财务再保险finiteriskreinsurance有限风险再保险Finiterisktransfer有限风险转移GNPIGrossNetPremiumIncome总净保费收入Holisticrisktransfer整体风险转移insurancesecuritization保险证券化insured被保险人insuredloss保险损失isoseismal等震线limits投保限额liquiditysupport提供流动资金marketretention市场自留额NatCatNaturalCatastropheNatCatpooling自然灾害共保non-proportionalrein
4、surance非比例再保险PML-possiblemaximumloss可能最大损失Pool共保组合、合保pooladministrator共保组合管理人post-financing后融资post-funding后融资pre-financing先融资pre-funding先融资priority(deductable)优先（免赔额)proceeds收益propertycovered受保财产proportionalreinsurance比例再保险rateonlinepremiumexpressedaspercentageofthelimitItmeansthatifthelimitis2milli
5、onUSDandthepremiumis100,000,thentheRate-on-lineis10%;Ifthepremiumis200,000,thentheRate-on-lineis20%.recovery追偿金reinstated继单retention自留额risk风险riskcarrier风险承担人riskmodelingcompaniesriskpremium风险保费run-offsecuritization证券化spotcontract现货合同spread利差subsoil下层土suminsured保险金额tariff费率表writtenpremiums承保保费XL超赔分保C
6、XL巨灾超赔分保中英再保险词汇张炜整理，冯京葆补充1998年9月15日/1999年8月17日修订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cl
7、eancut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fu
8、llcoverage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
9、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obligatoryrein
10、surance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reinfor
11、cedconcretebuilding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seismicdamage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susceptibilityofgoods
12、towater易受水浸性tariff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woodenframestructure木结构房屋accident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)
13、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ContractorsAllRisks(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facult
14、ativebusiness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
15、-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workingexpenses/cost营业费用writing承保
