[fusion_text]保険用語集は只今製作中です。 もう暫くお待ちください。[/fusion_text][alert type=”notice” accent_color=”” background_color=”” border_size=”1px” icon=”” box_shadow=”yes” animation_type=”fade” animation_direction=”up” animation_speed=”0.2″ class=”” id=””]
当社では保険用語集への追加用語登録を随時お受けしております。 新しい用語の新規登録をご希望の方はEメールにてお申し付けください。 info@siahoken.com
[/alert][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]A[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Accident: 事故
-Actual Cash Value (ACV) 損害を受けたものを取り替えるための市場価格から減価償却額を引いた額
– Act of God: 自然災害ー洪水、嵐、雷など 人間の力ではどうにもとめることのできない自然災害
-Additional Insured 追加被保険者
– Admitted insurer: 州の保険局からその州で保険のビジネスを行うことを許可されている保険会社
– Adverse selection 逆選択、通常引き受けをしている被保険者のリスクが高いものへの保険の引き受け
– Agency Bill 保険の代理店からの請求書
– Alien insurer 米国で保険のビジネスをしている外国の保険会社
– All Risks: 保険のカバーをつけるうえで 通常は一番広いカバーとされている。オールリスクをいう言葉から想像できるようにほとんどのリスクをカバーし、 Exclusion (カバーされないもの)が証券に リストされる。詳しくは証券を参照
-A.M. Best Company 米国で保険のビジネスをしている保険会社の経営状態や安定度を評価している会社
– Application Form: 申込書
– Approved Merchandise: マリン保険用語、保険会社ですでに輸送されるカーゴとして許可を得ている荷物
– Asset risk :資産価値が下がってしまうリスク
– Assinged Risk Plan A state-sponsored plan that provides insurance to those who are uninsurable under standard insurance policies.
– Audit 保険料の計算法が売り上げや給料の予測に基づき計算をしている場合に、保険期間が終了後に保険会社が給料明細やファイネンシャルレコードや実際の売り上げにもとづいて保険料を清算するための監査
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]B[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Boiler and Machinery Insurance: ボイラーが原因で損害を起こした場合をカバーする保険
– Bailee, A person or ogranization that has temporary possession of someone else’s personal property.
– Bid Bond, Type of Surety bond that gurantees that if a contractor’s bid is accepted, the contractor will enter into a contract and provide the required Performance bonds.
– Bill of Lading, Standardized contract of carriage issued by common carriers to the business for which it is shipping goods.
– Binder, Oral or written statement that provides immediate insurance protection for a specified period. Designed to provide temporary coverage until a polichy is issued or denied.
– Blanket Insurance, Type of insurance policy that covers more than one item of property at a single location or one or more items of property at multiple locations.
– Bodily Injury (BI) defined in most policies to include injury, sickness, disease, and death resulting from any of these at any times.
– Brokers, Individual who represents the prospect, instead of the insurance company, in the insurance transaction.
– Business Auto Insurance: 会社名義で所有している自動車保険
– Business Income Coverage
– Business Income From Dependent PRoperties
– Building codes
– Businessoweners Policy (BOP)
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]C[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Capacity: 保険会社が引き受けられる保険額
– Cargo Insurance, Type of Ocean Marine insurance that covers goods while they are in transit over water.
– Casulty Insurance, line of insurance that includes a wide varieety of unrelated coverages, including Liability, Auto, Workers Compensation, Aviation, Crime, and surety bonds.
-Certificate of Insurance, Written form that verifies a policy has been written. Provides a summary of the coverage provided under the policy.
-Claim Adjster, Person employed by or acting on behalf of an insurance company to evaluate and settle insurance claims.
-Claims-Made Form Commerdcial General Liability coverage form that pays for BI or PD losses for which a claim was firest made against the insured during the policy period.
– Coinsurance Percentage: ペナルティーなしに保険給付をうけるために 保険に加入しなければならない割合
– Combined ratio
– Common hazards
– Contract Bonds, Category of Surety bonds that guarantee the fulfillment of contractual obligations.
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]D[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Deductible: 自己負担
-Declarations, section of an insurance contract that shows who is insured, what property or risk is covered, when and where the coverage is effective and how much coverage applies.
– Declaration Page: 証券のフロントページ
– Directors and Officers Liability Insurance ( D&O), Types of errors and Omissions policy writtens for directors and officers of corporation who may be sured as individuals by stockholders.
– Direct bill
– Domestic Insurer, Insurance company doing business in the state in which it is incorporated.
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]E[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Equipment: 機材
– Earned Premium, Premium as insurance company has actually earned by providing insurance protection for the designated period of time.
– Employee Liability Coverage, Coverage included in the workers compensation. And employers liability policy that coveres the employer’s liability at common law arising out of employees’ work-related injuries and occupational disease.
– Excess and surplus lines (E&S) brokers
– Expense ratio、An Insurer’s incurred underwriting expenses divided by its written premiums for the same period. 一定期間内の保険会社が引き受けている保険料をすでに発生している保険会社の引き受けによって発生する経費で割った割合
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]F[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Frequency: 損害の起きる頻繁度
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]G[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Guranty funds
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]H[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]I[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]-IBNR reserve:
– Insurance 保険
-Independent Agency
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]J[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Jettison, A voluntary action to rid a ship of cargo to prevent further damage or peril. Jettison is a covered peril in Ocean marine Polcies.
-Judgment Rating, Method of rating that establishes premiums based on a careful evaluation of each individual risk, without the use of manuals or table.
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]K[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]L[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Licensed insurer
– Local fire alarm system
– Loss control
– Loss prevention
– Loss ratio 損害率ーある期間内におこった損害額をそれと同じ期間の保険料で割った数字。保険料率の算出やリスクの分析などに使用される。
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]M[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Mandatory rate law
– Moral hazard
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]N[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Nationwide marine definition
– Navigation warently
– Nonadmitted insurer
– Nonfiled classes
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]O[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Open comtetion system
– Operating profit or lossー保険引き受けにより発生する利益または損と保険会社の投資による利益または損
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]P[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Pool -事故の支払いによる損害を経済的に回復したりファイナンスするために集まった人または団体の集まり
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]Q[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]R[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]-Reserve: 支払い備金、すでに起きている事故で保険会社がまた支払っていない保険金を保険会社が積み立てる引当金
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]S[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]T[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Total Loss: 全損
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]U[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text]- Underwriting Cycle 保険料の設定のパターン、ソフトマーケットのあとはハードマーケットというパターン
[dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]V[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]W[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]X[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]Y[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””][fusion_text][dropcap color=”#687fdc” boxed=”yes” boxed_radius=”10px” class=”” id=””]Z[/dropcap][/fusion_text][separator style_type=”none” top_margin=”10″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””]