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insurance    音标拼音: [ɪnʃ'ʊrəns]
n. U安全保障;保险,保险业

U安全保障;保险,保险业

insurance
保证

insurance
保险 保证

insurance
n 1: promise of reimbursement in the case of loss; paid to
people or companies so concerned about hazards that they
have made prepayments to an insurance company
2: written contract or certificate of insurance; "you should
have read the small print on your policy" [synonym: {policy},
{insurance policy}, {insurance}]
3: protection against future loss [synonym: {indemnity},
{insurance}]

Insurance \In*sur"ance\, n. [From {Insure}.]
[1913 Webster]
1. The act of insuring, or assuring, against loss or damage
by a contingent event; a contract whereby, for a
stipulated consideration, called premium, one party
undertakes to indemnify or guarantee another against loss
by certain specified risks. Cf. {Assurance}, n., 6.
[1913 Webster]

Note: The person who undertakes to pay in case of loss is
termed the insurer; the danger against which he
undertakes, the risk; the person protected, the
insured; the sum which he pays for the protection, the
premium; and the contract itself, when reduced to form,
the policy. --Johnson's Cyc.
[1913 Webster]

2. The premium paid for insuring property or life.
[1913 Webster]

3. The sum for which life or property is insured.
[1913 Webster]

4. A guaranty, security, or pledge; assurance. [Obs.]
[1913 Webster]

The most acceptable insurance of the divine
protection. --Mickle.
[1913 Webster]

5. Hence: Any means of assuring against loss; a precaution;
as, we always use our seat belts as insurance against
injury.
[PJC]

{Accident insurance}, insurance against pecuniary loss by
reason of accident to the person.

{Endowment insurance} or {Endowment assurance}, a combination
of life insurance and investment such that if the person
upon whose life a risk is taken dies before a certain
specified time the insurance becomes due at once, and if
he survives, it becomes due at the time specified. Also
called {whole life insurance}.

{Fire insurance}. See under {Fire}.

{Insurance broker}, a broker or agent who effects insurance.


{Insurance company}, a company or corporation whose business
it is to insure against loss, damage, or death.

{Insurance policy}, a certificate of insurance; the document
containing the contract made by an insurance company with
a person whose property or life is insured.

{Life insurance}. See under {Life}.
[1913 Webster]

73 Moby Thesaurus words for "insurance":
accident insurance, actuary, annuity, assurance,
aviation insurance, bail bond, bond, business life insurance,
casualty insurance, certificate of insurance, court bond, cover,
credit insurance, credit life insurance, deductible,
endowment insurance, family maintenance policy, fidelity bond,
fidelity insurance, flood insurance, forearming, forehandedness,
foresight, foresightedness, forethought, forethoughtfulness,
fraternal insurance, government insurance, guarantee, guaranty,
health insurance, indemnification, indemnity,
industrial life insurance, insurance agent, insurance broker,
insurance company, insurance man, insurance policy, interinsurance,
liability insurance, license bond, limited payment insurance,
major medical insurance, malpractice insurance, marine insurance,
measures, mutual company, ocean marine insurance, permit bond,
policy, precaution, precautions, precautiousness,
preventive measure, protection, providence, provision,
robbery insurance, safeguard, security, social security, steps,
steps and measures, stock company, stocks and bonds, surety,
term insurance, theft insurance, tie, underwriter, warrant,
warranty

INSURANCE, contracts. It is defined to be a contract of indemnity from loss
or damage arising upon an uncertain event. 1 Marsh. Ins. 104. It is more
fully defined to be a contract by which one of the parties, called the
insurer, binds himself to the other, called the insured, to pay him a sum of
money, or otherwise indemnify him in case of the happening of a fortuitous
event, provided for in a general or special manner in the contract, in
consideration of a premium which the latter pays, or binds himself to pay
him. Pardess. part 3, t. 8, n. 588; 1 Bouv. Inst. n. 1174.
2. The instrument by which the contract is made is denominated a
policy; the events or causes to be insured against, risks or perils; and the
thing insured, the subject or insurable interest.
3. Marine insurance relates to property and risks at sea; insurance of
property on shore against fire, is called fire insurance; and the various
contracts in such cases, are fire policies. Insurance of the lives of
individuals are called insurances on lives. Vide Double Insurance; Re-
Insurance.


INSURANCE, MARINE, contracts. Marine insurance is a contract whereby one
party, for a stipulated premium, undertakes to indemnify the other against
certain perils or sea risks, to which his ship, freight, or cargo, or some
of them may be exposed, during a certain voyage, or a fixed period of time.
3 Kent, Com. 203; Boulay-Paty, Dr. Commercial, t. 10.
2. This contract is usually reduced to writing; the instrument is
called a policy of insurance. (q. v.)
3. All persons, whether natives, citizens, or aliens, may be insured,
with the exception of alien enemies.
4. The insurance may be of goods on a certain ship, or without naming
any, as upon goods on board any ship or ships. The subject insured must be
an insurable legal interest.
5. The contract requires the most perfect good faith; if the insured
make false representations to the insurer, in order to procure his insurance
upon better terms, it will avoid the contract, though the loss arose from a
cause unconnected with the misrepresentation, or the concealment happened
through mistake, neglect, or accident, without any fraudulent intention.
Vide Kent, Com. Lecture, 48; Marsh. Ins. c. 4; Pardessus, Dr. Com. part 4,
t. 5, n. 756, et seq.; Boulay-Paty, Dr. Com. t. 10.


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