Insurance
保险
Insurance is a guarantee against financial loss.
保险是降低经济损失的一种保障。
Insurance policies can be bought for all sorts of things.
保险无所不保，
The most common kinds of insurance include life, health and property.
最常见的包括:人寿保险，健康保险及财产保险。
For example, an insurance company will pay to repair or replace the property if it is damaged or stolen.
例如:如果投保人的财产受到损毁或被盗，保险公司会为投资人支付维修或重购的费用。
How much a company will pay in the event of a claim depends on how much insurance the policyholder has bought. The amount may also depend on the conditions that led to the damage.
保险金赔偿的多少不仅与投保人购买保险金的多少有关，而且还与造成投保人损失的实际情况有关。
There are two main kinds of insurance companies.
保险公司有两大类:
Insurance carriers provide insurance to individuals, groups and businesses.
原保险公司和再保险公司。原保险公司通常通过保险代理公司或保险经纪人为个人，团体或企业提供保险；
Reinsurance companies help reduce the financial risk to carriers.
而再保险公司则为投保的原保险公司降低经济风险。
These are insurance companies for insurance companies.
这些都是保险公司。
Carriers usually sell their policies through insurance agencies or brokers.
运营人通常通过保险机构或经纪人出售他们的政策。
Brokers bring together buyers and sellers.
经纪人由买家和卖家汇集。
Large businesses often use brokers when choosing products to insure their workers, property and interests against risk.
大型企业在选择产品上通常会让经纪人参与以确保他们的员工、财产和利益无风险。