insured value

简明释义

保险价值

英英释义

例句

1.Before shipping valuable items, make sure to declare their insured value to avoid any disputes during transit.

在运输贵重物品之前，请确保声明它们的保险价值，以避免运输过程中出现任何争议。

2.The car has an insured value of $20,000, which means that is the maximum amount the insurance company will pay in case of a total loss.

这辆车的保险价值为20,000美元，这意味着如果发生全损，保险公司将支付的最高金额。

3.When purchasing a home, it's important to determine the insured value to ensure you have adequate coverage.

在购买房屋时，确定保险价值很重要，以确保您有足够的保险覆盖。

4.The insured value of your business equipment should reflect its current market worth to ensure proper coverage.

您的商业设备的保险价值应反映其当前市场价值，以确保适当的保险覆盖。

5.The insured value of the artwork was appraised at $50,000 for insurance purposes.

这件艺术品的保险价值被评估为50,000美元，用于保险目的。

作文

In our increasingly interconnected world, the concept of insurance has become a cornerstone for both individuals and businesses. One important term that frequently arises in discussions about insurance is insured value, which refers to the monetary amount for which an item or property is covered under an insurance policy. Understanding insured value is crucial for anyone looking to protect their assets and ensure they are adequately compensated in the event of a loss. This essay will explore the significance of insured value, how it is determined, and why it matters in the broader context of risk management.To begin with, the insured value is not a fixed number; it can vary based on several factors, including the type of insurance, the nature of the asset being insured, and the specific terms of the policy. For instance, when insuring a home, the insured value might be based on the replacement cost of the house, meaning the amount it would take to rebuild it from scratch in the event of a total loss. Alternatively, it could be based on the market value, which reflects what the property could sell for at the current time. This distinction is vital because it affects how much compensation a policyholder would receive after a claim.Furthermore, determining the appropriate insured value requires careful assessment and sometimes professional appraisals. Homeowners may need to consider factors such as the size of the property, the quality of construction, and the local real estate market. Similarly, businesses must evaluate their equipment, inventory, and other assets to establish an accurate insured value. Underestimating this value can lead to significant financial loss if a claim is filed, while overestimating it may result in higher premiums without any real benefit.The importance of understanding insured value extends beyond just individual circumstances; it plays a critical role in the insurance industry as a whole. Insurers rely on accurate assessments of insured value to manage their risk effectively. By knowing the total insured value of all policies they hold, insurance companies can better predict potential payouts and set appropriate premiums. This balance is essential for maintaining profitability and ensuring that they can meet their obligations to policyholders.Moreover, the concept of insured value also ties into broader risk management strategies. For businesses, having a clear understanding of their insured value helps them make informed decisions about resource allocation, investment, and contingency planning. In times of crisis, such as natural disasters or economic downturns, knowing the insured value of their assets allows companies to respond more effectively and minimize losses.In conclusion, the term insured value encapsulates a fundamental aspect of insurance that everyone should understand. It represents the financial protection afforded to assets and the basis upon which claims are settled. By accurately determining the insured value, individuals and businesses can safeguard their investments and navigate the complexities of risk management with greater confidence. As we continue to face uncertainties in our lives and economies, the role of insured value in providing security and peace of mind cannot be overstated.

在我们日益互联的世界中，保险的概念已成为个人和企业的基石。一个在讨论保险时经常出现的重要术语是insured value，它指的是某项物品或财产在保险政策下所覆盖的货币金额。理解insured value对任何希望保护其资产并确保在损失发生时获得充分赔偿的人来说都是至关重要的。本文将探讨insured value的重要性、如何确定它以及它在风险管理的更广泛背景下的重要性。首先，insured value并不是一个固定的数字；它可能会根据几种因素而变化，包括保险类型、被保险资产的性质以及保单的具体条款。例如，在为房屋投保时，insured value可能基于房屋的重建成本，这意味着在完全损失的情况下，重建房屋所需的金额。或者，它可能基于市场价值，反映了该物业在当前时间可以出售的价格。这一区别至关重要，因为它影响着投保人在索赔后将获得多少赔偿。此外，确定适当的insured value需要仔细评估，有时还需要专业评估。房主可能需要考虑诸如物业的大小、建筑质量和当地房地产市场等因素，以建立准确的insured value。同样，企业必须评估其设备、库存和其他资产，以建立准确的insured value。低估该价值可能导致在提出索赔时遭受重大财务损失，而高估它可能导致更高的保费而没有任何实际好处。理解insured value的重要性不仅限于个人情况；它在整个保险行业中也发挥着关键作用。保险公司依赖于对insured value的准确评估来有效管理其风险。通过了解他们持有的所有保单的总insured value，保险公司可以更好地预测潜在的赔付并设定适当的保费。这种平衡对于保持盈利能力和确保能够满足对投保人的义务至关重要。此外，insured value的概念也与更广泛的风险管理策略相关。对于企业来说，清楚了解其insured value有助于他们就资源分配、投资和应急规划做出明智的决策。在危机时期，例如自然灾害或经济衰退，了解资产的insured value使公司能够更有效地应对并尽量减少损失。总之，insured value这一术语概括了每个人都应理解的保险的基本方面。它代表了对资产的财务保护，以及索赔结算的基础。通过准确确定insured value，个人和企业可以保护其投资，并以更大的信心应对风险管理的复杂性。随着我们继续面临生活和经济中的不确定性，insured value在提供安全感和安心方面所发挥的作用不容小觑。