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INSURANCE
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СТРАХОВАНИЕ
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Insurance,
in
law
and
economics,
is a
form
of
risk
management
primarily
used
to
hedge
against
the
risk
of a
contingent
loss.
Insurance
is
defined
as
the
equitable
transfer
of
the
risk
of a
loss,
from
one
entity
to
another,
in
exchange
for a
premium,
and
can
be
thought
of as
a
guaranteed
and
known
small
loss
to
prevent
a
large,
possibly
devastating
loss.
An
insurer
is a
company
selling
the
insurance;
an
insured
or
policyholder
is
the
person
or
entity
buying
the
insurance.
The
insurance
rate
is a
factor
used
to
determine
the
amount
to be
charged
for a
certain
amount
of
insurance
coverage,
called
the
premium.
Risk
management,
the
practice
of
appraising
and
controlling
risk,
has
evolved
as a
discrete
field
of
study
and
practice.
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Any
risk
that
can
be
quantified
can
potentially
be
insured.
Specific
kinds
of
risk
that
may
give
rise
to
claims
are
known
as "perils".
An
insurance
policy
will
set
out
in
detail
which
perils
are
covered
by
the
policy
and
which
are
not.
A
single
policy
may
cover
risks
in
one
or
more
of
the
categories
set
out
below.
For
example,
auto
insurance
would
typically
cover
both
property
risk
(covering
the
risk
of
theft
or
damage
to
the
car)
and
liability
risk
(covering
legal
claims
from
causing
an
accident).
A
homeowner's
insurance
policy
in
the
U.S.
typically
includes
property
insurance
covering
damage
to
the
home
and
the
owner's
belongings,
liability
insurance
covering
certain
legal
claims
against
the
owner,
and
even
a
small
amount
of
coverage
for
medical
expenses
of
guests
who
are
injured
on
the
owner's
property.
Business
insurance
can
be
any
kind
of
insurance
that
protects
businesses
against
risks.
Some
principal
subtypes
of
business
insurance
are
(a)
the
various
kinds
of
professional
liability
insurance,
also
called
professional
indemnity
insurance,
which
are
discussed
below
under
that
name;
and
(b)
the
business
owner's
policy
(BOP),
which
bundles
into
one
policy
many
of
the
kinds
of
coverage
that
a
business
owner
needs,
in a
way
analogous
to
how
homeowners
insurance
bundles
the
coverages
that
a
homeowner.
needs
Auto
insurance
protects
you
against
financial
loss
if
you
have
an
accident.
It is
a
contract
between
you
and
the
insurance
company.
You
agree
to
pay
the
premium
and
the
insurance
company
agrees
to
pay
your
losses
as
defined
in
your
policy.
Auto
insurance
provides
property,
liability
and
medical
coverage:
-
Property
coverage
pays
for
damage
to or
theft
of
your
car.
-
Liability
coverage
pays
for
your
legal
responsibility
to
others
for
bodily
injury
or
property
damage.
-
Medical
coverage
pays
for
the
cost
of
treating
injuries,
rehabilitation
and
sometimes
lost
wages
and
funeral
expenses.
An
auto
insurance
policy
comprises
six
kinds
of
coverage.
Most
countries
require
you
to
buy
some,
but
not
all,
of
these
coverages.
If
you're
financing
a
car,
your
lender
may
also
have
requirements.
Most
auto
policies
are
for
six
months
to a
year.
/wikipedia.org/ |
Словарь
|
insurance
-
страхование |
insurance
coverage
-
охват
страхования |
|
hedge
against
-
страховать
от |
perils
-
опасности |
|
premium
-
страховая
премия |
property
risk
-
имущественный
риск |
|
insurer
-
страховщик,
страховое
общество |
indemnify
-
возмещать
indemnity
-
возмещение |
|
insured/policyholder
-
застрахованный/владелец
полиса
|
bundle
into
one
policy
-
объединять
в
один
полис |
|
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ТЕРМИН
ВЫПУСКА
|
Premium
[ `pri:mıәm]
-
(страховая
премия,
плата
за
обучение)
Amount
or
instalment
paid
for
an
insurance
policy |
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