Name and address of the insurer ;

(一)投保人名称和住所;

State Senate Republicans yesterday proposed their own plan to bail out financially strapped Empire Blue Cross / Blue Shield and hold rate hikes the state’s largest insurer seeks to an average of10%to15.

[纽约]州参议院的共和党人士昨天提出了他们自已的方案，去救助财务困难的纽约蓝十字;蓝盾牌[医疗保险公司]，以便将该州最大保险公司所争取的提高保费维持在平均百分之十到百分之十五。

If this insured vehicle is to be sold, assigned, or given to others as a gift; or it be used for other purposes, or to increase risks in any way, please notify the insurer in writing in advance and apply for alterations.

保险车辆转卖,转让,赠送他人,变更用途或增加危险程度,请事先书面通知保险人并申请办理批改。

Unless otherwise specified in the contract, in the event that the sum insured is less than the insured value, the insurer shall undertake the obligation for indemnity pro rata of the sum insured to the insured value.

保险金额低于保险价值的，除合同另有约定外，保险人按照保险金额与保险价值的比例承担赔偿责任。

The sum insured refers to the maximum amount which the insurer undertakes to indemnify or pay under its insurance obligation.

保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。

An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.

保险人是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。

The insurer may, with the consent of the insured, take safety preventive measures to protect the subject matter of the insurance.

保险人为维护保险标的的安全，经被保险人同意，可以采取安全预防措施。

If the insurer fails to fulfill the obligations specified in the preceding paragraph in a timely manner then, in addition to the payment of compensation, the insurer shall compensate the insured or the beneficiary for any damage incurred thereby.

保险人未及时履行前款规定义务的，除支付保险金外，应当赔偿被保险人或者受益人因此受到的损失。

If the insured, without the insurer ’s consent, waives the right of indemnity against the third party after indemnity is made by the insurer, the waiver of the insured shall be regarded as invalid.

保险人向被保险人赔偿保险金后，被保险人未经保险人同意放弃对第三者请求赔偿的权利的，该行为无效。

If the insurer , based on the provisions of the insurance contract, considers the relevant evidence or information incomplete, then the insurer shall notify the applicant, the insured or the beneficiary with a request to provide the insurer with additional evidence or information.

保险人依照保险合同的约定，认为有关的证明和资料不完整的，应当通知投保人、被保险人或者受益人补充提供有关的证明和资料。

The right of indemnity by subrogation exercised by the insurer in accordance with the first paragraph shall in no way affect the insured’s right of indemnity against the third party for the unindemnified amount.

保险人依照第一款行使代位请求赔偿的权利，不影响被保险人就未取得赔偿的部分向第三者请求赔偿的权利。

When an insurer terminates the contract in accordance with the preceding paragraph, and the applicant has paid the premiums for two years or more, the insurer shall return the cash value of the policy to the applicant in accordance with the contract. In the event that the applicant has paid the premiums for less than two years , the insurer shall return the premiums to the applicant with the expenses deducted therefrom.

保险人依照前款规定解除合同，投保人已交足二年以上保险费的，保险人应当按照合同约定退还保险单的现金价值;投保人未交足二年保险费的，保险人应当在扣除手续费后，退还保险费。

The insurer shall bear the expenses necessarily and reasonably incurred by the insured in taking measures to prevent or mitigate further loss or damage of the subject matter of the insurance after the occurrence of the insured event; the amount of such expenses borne by an insurer shall be calculated separately from the indemnity for the loss of the subject matter of the insurance and it shall not exceed the sum insured.

保险事故发生后，被保险人为防止或者减少保险标的的损失所支付的必要的、合理的费用，由保险人承担;保险人所承担的数额在保险标的损失赔偿金额以外另行计算，最高不超过保险金额的数额。

If the applicant, the insured or the beneficiary, following the occurrence of an insured event, provides forged and altered relevant evidence, information or other proofs, falsifies the cause of the occurrence of the insured event or overstates the extent of the loss, then the insurer shall bear no obligation for indemnity or payment of the insurance benefits for the portion which is falsified or overstated.

保险事故发生后，投保人、被保险人或者受益人以伪造、变造的有关证明、资料或者其他证据，编造虚假的事故原因或者夸大损失程度的，保险人对其虚报的部分不承担赔偿或者给付保险金的责任。

If the insured fails to fulfill the obligation of notice stipulated in the preceding paragraph, the insurer shall bear no obligation for indemnity of the insured event which occurs due to the increased risk to the subject matter of the insurance.

被保险人未履行前款规定的通知义务的，因保险标的危险程度增加而发生的保险事故，保险人不承担赔偿责任。

Should there be any amendments to the insurance contract, then the insurer shall endorse the original policy or any other insurance certificate, or issue an endorsement slip attached to the insurance contract or insurance certificate, or have a written agreement of amendment with the applicant.

变更保险合同的，应当由保险人在原保险单或者其他保险凭证上批注或者附贴批单，或者由投保人和保险人订立变更的书面协议。

protection and indemnity liability insurer

承担保赔责任的承保人,承担赔偿责任的承保人

Assurances may consist of one or a combination of insurance, guarantee, surety bond, letter of credit, or qualification as a self-insurer

担保可分一种担保和多种担保，例如，抵押金、保证金、信用证，或自我担保合格证书。

When a buyer really focuses on whether a $10 million claim can be easily paid by his insurer five or ten years down the road

当客户认真想到往后五到十年，而怀疑保险公司是否仍有能力轻松地支付一千万美元理赔金时

When times are good, many major corporate purchasers of insurance and their brokers pay scant attention to the insurer ’s ability to perform under the more adverse conditions that may exist

当情况好时，许多大企业投保户与保险掮客都不太关心保险业者的财务状况

Article 88 When an insurance company is declared bankrupt in accordance with laws, the estate of the bankrupt insurer , after paying off the expenses of bankruptcy proceedings, shall be distributed in the following order:

第八十八条 　保险公司依法破产的，破产财产优先支付其破产费用后，按照下列顺序清偿:

Article 28 When an insurer transfers part of its accepted business to another insurer by way of cession, it is referred to as reinsurance.

第二十八条 　保险人将其承担的保险业务，以承保形式，部分转移给其他保险人的，为再保险。

Article 22 When a claim for indemnity or payment of the insurance benefits is lodged with the insurer after the occurrence of an insured event, the applicant, the insured or the beneficiary shall, to the best of their knowledge and ability, provide the insurer with evidence and information which is relevant to ascertain the nature of, the cause for and the extent of the loss due to the occurrence of the insured event.

第二十二条 　保险事故发生后，依照保险合同请求保险人赔偿或者给付保险金时，投保人、被保险人或者受益人应当向保险人提供其所能提供的与确认保险事故的性质、原因、损失程度等有关的证明和资料。

Article 27 The insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred, and submits a claim for indemnity or payment of the insurance benefits, although such insured event has not occurred.

第二十七条 　被保险人或者受益人在未发生保险事故的情况下，谎称发生了保险事故，向保险人提出赔偿或者给付保险金的请求的，保险人有权解除保险合同，并不退还保险费。

Article 24 After receiving a claim for indemnity or payment of the insurance benefits from the insured or the beneficiary, the insurer shall issue to the insured or the beneficiary a notice declining indemnity or payment of the insurance benefits for any events not falling within the scope of the cover.

第二十四条 　保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后，对不属于保险责任的，应当向被保险人或者受益人发出拒绝赔偿或者拒绝给付保险金通知书。

Article 20 During the period of the validity of the insurance contract, the applicant and the insurer may amend the contents of the insurance contract subject to mutual agreement.

第二十条 　在保险合同有效期内，投保人和保险人经协商同意，可以变更保险合同的有关内容。

Article 25 If the amount of indemnity or payment of the insurance benefits cannot be determined within sixty (60)days of receipt of the claim for indemnity or payment of the insurance benefits, and relevant evidence and information thereof, then the insurer shall effect payment of the minimum amount which can be determined by the evidence and information obtained. The insurer shall pay the balance after the final amount of indemnity or payment of the insurance benefits is determined.

第二十五条 　保险人自收到赔偿或者给付保险金的请求和有关证明、资料之日起六十日内，对其赔偿或者给付保险金的数额不能确定的，应当根据已有证明和资料可以确定的最低数额先予支付;保险人最终确定赔偿或者给付保险金的数额后，应当支付相应的差额。

Article 21 The applicant, the insured or the beneficiary shall notify the insurer in a timely manner of the occurrence of any insured event once it is known to them.

第二十一条 　投保人、被保险人或者受益人知道保险事故发生后，应当及时通知保险人。

Article 96 In order to protect the interests of the insured, and to ensure its own steady and healthy operation, an insurer shall contribute to an insurance guarantee fund in accordance with the regulations of the financial supervision and regulation department.

第九十六条 　为了保障被保险人的利益，支持保险公司稳健经营，保险公司应当按照金融监督管理部门的规定提存保险保障基金。

Article 9 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer .

第九条 　保险合同是投保人与保险人约定保险权利义务关系的协议。

cargo insurer

n.货物保险人

marine insurer

海上保险商

direct insurer

直接承保人

earlier insurer

原保险人

original insurer

n.原保险者

fronting insurer

前承保人

liability insurer

n.承认保险承保人

subsequent insurer

后续保险人

Insurer,Underwriter

保险人

domicile of insurer

保险人住所

insurer of the goods

货物发货人

right against insurer

告保险人的权利

abandonment to insurer

委付(将船的权利、义务交与保险者)

liability of the insurer

承保人责任，保险公司的责任

advertisement of insurer

承保人广告

business expense of insurer

保险事业营业费

insurer, assurer, underwriter

保险人

scope of insurer’s liabilities

保险人的责任范围

time limit of insurer’s liabilities

保险人责任期限

general average insurer’s liability

n.共同海损失

exempted liabilities of the insurer

保险人的除外责任

Union International Insurer Aviation

国际航空保险商联盟

without benefit of salvage to the insurer

无救助利益

protection and indemnity liability insurer

保赔责任承保人

exemption of insurer’s liabilities provision

保险人责任免除条款

the place where the insurer’s business house is located

保险人营业所所在地