subject matter insured

简明释义

保品

英英释义

例句

1.Before purchasing a new insurance policy, make sure you understand the subject matter insured to avoid any surprises later.

在购买新的保险政策之前，请确保您理解保险标的，以避免后来的任何意外。

2.The policy clearly outlines the subject matter insured, which includes the building and its contents.

保单清楚地列出了保险标的，包括建筑物及其内容。

3.In the event of a claim, the insurer will assess the subject matter insured to determine the payout.

在索赔事件中，保险公司将评估保险标的以确定赔付金额。

4.It's important to review the subject matter insured regularly to ensure adequate coverage.

定期审查保险标的以确保足够的保障是很重要的。

5.The subject matter insured in this contract is specifically limited to commercial vehicles.

本合同的保险标的专门限于商用车辆。

作文

In the world of insurance, understanding the various terms and phrases is essential for both policyholders and insurers. One such term that plays a crucial role in the realm of insurance is subject matter insured. This phrase refers to the specific items or properties that are covered under an insurance policy. It is vital for individuals and businesses to clearly identify what their subject matter insured is to ensure they have adequate coverage in case of loss, damage, or theft. When purchasing insurance, whether it be for a home, vehicle, or business, policyholders must specify the subject matter insured. For example, a homeowner's insurance policy will typically cover the house itself, personal belongings within the house, and sometimes even liability for injuries sustained on the property. Each of these components can be considered as part of the subject matter insured. Understanding the subject matter insured is not only important for the policyholder but also for the insurer. Insurers need to assess the risk associated with the subject matter insured to determine the appropriate premium rates. If a property is deemed high-risk, the insurance company may charge a higher premium or impose certain exclusions. Therefore, accurately defining the subject matter insured helps both parties understand the scope of the coverage and the associated risks. Moreover, when filing a claim, the subject matter insured becomes a focal point of the process. The insurer will evaluate whether the claimed loss pertains to the subject matter insured as outlined in the policy. If the item or property in question is not included in the subject matter insured, the claim may be denied. This underscores the importance of thorough documentation and understanding of what is being insured. Additionally, the subject matter insured can evolve over time. For instance, a business may acquire new equipment or expand its premises, which would necessitate updating the insurance policy to reflect the new subject matter insured. Failing to update the policy could leave the business vulnerable to significant losses if something were to happen to the newly acquired assets. In conclusion, the concept of subject matter insured is fundamental in the insurance industry. It serves as the foundation upon which policies are built and claims are assessed. Both insurers and policyholders must have a clear understanding of what constitutes the subject matter insured to ensure adequate protection and avoid potential disputes. By paying careful attention to this aspect of insurance, individuals and businesses can safeguard their interests and achieve peace of mind knowing they are covered against unforeseen events.

在保险的世界中，理解各种术语和短语对保单持有者和保险公司都是至关重要的。其中一个在保险领域中起着关键作用的术语是被保险标的。这个短语指的是在保险政策下受到保障的特定物品或财产。个人和企业必须清楚地识别他们的被保险标的，以确保在损失、损坏或盗窃的情况下有足够的保障。当购买保险时，无论是家庭保险、车辆保险还是商业保险，保单持有者必须明确被保险标的。例如，房主的保险政策通常会涵盖房屋本身、房屋内的个人物品，有时甚至包括对在该财产上受伤的责任。这些组成部分都可以被视为被保险标的的一部分。理解被保险标的不仅对保单持有者重要，对保险公司也是如此。保险公司需要评估与被保险标的相关的风险，以确定适当的保费。如果某项财产被认为是高风险，保险公司可能会收取更高的保费或施加某些排除条款。因此，准确界定被保险标的有助于双方理解保障的范围及其相关风险。此外，在申请索赔时，被保险标的成为该过程的焦点。保险公司将评估所申请的损失是否与保单中列出的被保险标的相关。如果问题中的物品或财产不包括在被保险标的内，索赔可能会被拒绝。这强调了对所投保内容进行彻底文档记录和理解的重要性。此外，被保险标的可能会随着时间的推移而发展。例如，一家企业可能会购置新设备或扩展其场所，这将需要更新保险政策以反映新的被保险标的。如果不更新保单，企业可能会面临重大损失的风险，如果新购资产发生意外情况。总之，被保险标的这一概念在保险行业中是基础性的。它是构建保单和评估索赔的基础。保险公司和保单持有者都必须清楚了解什么构成被保险标的，以确保充分保护并避免潜在争议。通过仔细关注保险的这一方面，个人和企业可以保护自己的利益，并安心知道自己能够抵御不可预见的事件。