all-risks clause

简明释义

综合险条款

英英释义

例句

1.The insurance policy includes an all-risks clause, which means it covers all potential damages unless specifically excluded.

保险政策包含一个全险条款，这意味着它涵盖所有潜在的损害，除非特别排除。

2.When purchasing a policy, inquire about the specifics of the all-risks clause to understand what is covered.

在购买保单时，询问全险条款的具体内容，以了解涵盖的范围。

3.An all-risks clause can provide peace of mind for business owners worried about unforeseen events.

对于担心不可预见事件的企业主来说，全险条款可以提供安心保障。

4.The all-risks clause in the contract protects the homeowner from unexpected repair costs.

合同中的全险条款保护房主免受意外维修费用的影响。

5.Before signing the rental agreement, make sure to check if there is an all-risks clause for property damage.

在签署租赁协议之前，请确保检查是否有针对财产损坏的全险条款。

作文

In the world of insurance, understanding the various clauses and terms is crucial for both policyholders and insurers. One such term that often comes up in discussions about property insurance is the all-risks clause. This clause is significant because it provides a broad range of coverage for loss or damage to property. Unlike named perils policies, which only cover specific risks outlined in the policy, an all-risks clause includes almost all types of risks unless they are explicitly excluded. This means that if a policyholder experiences a loss due to an unforeseen event, they are more likely to be covered under this type of policy.For instance, consider a business owner who has taken out an insurance policy for their commercial building and its contents. If the policy includes an all-risks clause, the owner can have peace of mind knowing that their property is protected against a wide array of potential damages, including fire, theft, vandalism, and even natural disasters like floods or earthquakes. However, it is essential to read the fine print, as certain exclusions may apply. Common exclusions might include damages caused by war, nuclear incidents, or intentional acts by the insured party.The advantages of having an all-risks clause in an insurance policy are numerous. Firstly, it simplifies the claims process for policyholders. When a loss occurs, they do not have to prove that the damage was caused by a specific peril listed in the policy; instead, they can claim for any loss unless it falls under an exclusion. This can save time and reduce the stress associated with filing claims, making it easier for businesses to recover from unexpected events.Moreover, an all-risks clause can provide greater financial security for homeowners and businesses alike. Since the coverage is extensive, individuals and companies can invest in their properties with the confidence that they will be protected against various risks. This can encourage economic growth as people are more willing to take risks and make investments when they know they have adequate insurance coverage.However, it is important to note that policies with an all-risks clause may come with higher premiums compared to those with named perils coverage. Policyholders must weigh the cost of premiums against the level of protection they desire. For some, the peace of mind provided by comprehensive coverage is worth the additional expense, while others may opt for more limited coverage to save on costs.In conclusion, the all-risks clause is an essential component of many insurance policies, offering extensive coverage and simplifying the claims process. It provides policyholders with reassurance that they are protected against a wide range of unforeseen events. As with any insurance product, it is vital for individuals and businesses to understand the specifics of their coverage, including any exclusions, to ensure they are adequately protected. By doing so, they can make informed decisions that best suit their needs and financial situations.

在保险的世界中，理解各种条款和术语对于投保人和保险公司来说至关重要。其中一个常提到的术语是全险条款。这个条款非常重要，因为它为财产的损失或损坏提供了广泛的保障。与仅涵盖政策中列出的特定风险的命名危险政策不同，全险条款几乎包括所有类型的风险，除非明确排除。这意味着，如果投保人因不可预见的事件而遭受损失，他们更有可能在这种类型的政策下得到赔偿。例如，考虑一个为其商业建筑及其内容投保的企业主。如果该政策包括全险条款，那么业主可以安心地知道，他们的财产受到多种潜在损害的保护，包括火灾、盗窃、破坏，甚至自然灾害如洪水或地震。然而，阅读细则是至关重要的，因为可能会有某些排除条款。常见的排除可能包括战争、核事件或投保方故意行为造成的损害。拥有全险条款的保险政策的好处是众多的。首先，它简化了投保人的索赔过程。当发生损失时，他们不必证明损害是由政策中列出的特定危险造成的；相反，他们可以就任何损失提出索赔，除非它属于排除范围。这可以节省时间并减少与申请索赔相关的压力，使企业更容易从意外事件中恢复过来。此外，全险条款可以为房主和企业提供更大的财务安全。由于覆盖面广，个人和公司可以自信地投资于他们的财产，确信他们将受到各种风险的保护。这可以促进经济增长，因为当人们知道他们有足够的保险保障时，他们更愿意承担风险并进行投资。然而，重要的是要注意，带有全险条款的政策可能会比仅具备命名危险的保险政策的保费更高。投保人必须权衡保费的成本与他们所希望的保护水平。对于某些人来说，全面保障带来的安心是值得额外费用的，而其他人可能会选择更有限的保障以节省费用。总之，全险条款是许多保险政策的重要组成部分，提供广泛的保障并简化索赔过程。它为投保人提供了对自己受到各种不可预见事件保护的保证。与任何保险产品一样，个人和企业必须理解其保障的具体内容，包括任何排除条款，以确保他们获得充分的保护。通过这样做，他们可以做出最符合自身需求和财务状况的明智决策。