Insurance

Vocabulary

Actuary	Регистратор
Assessor	Оценщик страховых убытков
Claim	Иск о возмещении ущерба
Compensation	Компенсация, пособие по несчастному случаю
Comprehensive	Всесторонний, детальный, тщательный
Consequential	Косвенный ущерб
Cover	Перечень рисков, охватываемый полисом, страхование
Employers liability insurance	Страхование ответственности работодателя
Estimate (v)	Оценивать
Excess	Излишек, превышение
Exemptory damages	Освобождение от уплаты возмещения
Full-time employee	Работник, занятый полный рабочий день
Goods in transit	Транзитный груз
Indemnity	Возмещение ущерба
Insurance broker	Страховой брокер
Insurance policy|certificate	Страховой полис (сертификат)
Insured	Страхователь
Insurer	Страхователь, страховое общество
Liability	Ответственность
Life assurance/insurance	Страхование жизни
Loss	Ущерб
Loss adjuster	Оценщик ущерба
Medical insurance	Медицинское страхование
No-claims bonus	Премия за отсутствие рекламаций
No-claim discount	Надбавка за отсутствие рекламаций
Part-time employee	Служащий, занятый неполный рабочий день
Policy	Страховой полис
Policy holder	Страхователь, держатель страхового полиса
Premium	Страховая премия
Product liability	Страхование ответственности за качество продукта
Professional indemnity insurance	Страхование от ущерба в ходе профессиональной деятельности
Public liability	Страхование гражданской ответственности
Punitive damages	Штрафные убытки
Reinsurance	Возобновляемая страховка
Relief	Средство судебной защиты, возмещение
Risk	Риск, страховая сумма
Schedule	Прейскурант, шкала
Seasonal employee	Сезонный работник
Temporal employee	Временный работник
Term	Аренда на срок
Term insurance	Страхование на срок
Third party	Третья сторона
Waiver	Освобождение от ответственности
Wrongful employment	Незаконное принятие на работу

1. Read the advertisement of an insurance firm and translate it into Russian:

Liability Insurance

1. Standard coverage

Broad definition of insured includes full-time, part-time, seasonal and temporary employees, as well as insured entity and any subsidiary (as defined)

Broad definition of wrongful employment act includes discrimination, harassment (including sexual), wrongful termination, constructive discharge, wrongful failure to hire, wrongful demotion, retaliation, misrepresentation, infliction of emotional distress, defamation, invasion of privacy, humiliation, wrongful evaluation, and breach of an implied contract.

Bodily injury exclusion includes carve out for emotional distress, mental anguish defamation (including libel and slander), invasion of privacy, or humiliation.

Duty to defend policy language

Broad definition of claim includes written demand or assertion for monetary or non-monetary relief, including civil, criminal, administrative, or arbitration proceedings.

Loss includes punitive exemplary damages up to the limit of liability, where insure; most favourable jurisdiction language applies.

Automatic coverage for subsidiaries created or acquired during the policy period whose assets are less than 25% of the insured entity.

EEOC (or state equivalent) charges are covered

No international acts exclusion

No downsizing exclusion

No copyright/ patent exclusion

Full prior acts coverage

36 month extended reporting period is available if the named insured cancels or if the insurer or named insured refuses to renew

Non-cancelable by insurer, except for non-payment of premium

Worldwide coverage

No co-insurance

Limits of liability up to $5.000, 000

Deductibles available from $5,000

2. Additional

Coverage enhancements for:

Co-defendants liability

Third party liability

Additional insured, including coverage for leased employees, independent contractors, volunteers, and spouses.

General partnership coverage including failure to make partner language

Costs of defense in addition to the limit of liability

Waiver of deductible (if a ruling of no liability is obtained)

Modification of ‘hammer clauses’ (50%/ 50% or 70%/ 30% co-insurance)

Choice of defense counsel

Risk Management Services:

Loss Prevention Manual

Guidelines for Reducing Exposure to

Employment Lawsuits

Toll-free Employment Practices Loss Prevention Hotline

3. Target Markets:

White Monitor is pleased to underwrite any sized account and most types of companies,

its target market can best be described as follows:

Companies employing up to 2,000 employees. Companies with dedicated human resource professional or department.

Companies that already publish an employee handbook or written employee policies and procedures.

Coverage is not currently available to risks in the following industries:

Automobile dealerships

Credit reporting services, Educational services

Employment agencies ‘Professional employer organizations’. Government entities.

Hospitals

Hotels/ hotel management

Labor organizations

Political organizations

Real estate companies/ Real estate management

Temporally employment agencies

Tobacco companies

Strength and Stability

As part of the W.R. Berkley Corporation, Monitor has the size and financial strength to provide stability for our clients,

Expert Claims Handling:

Monitor lays a dedicated team of professionals, including attorneys, with experience in employment-related litigation. Their experience can provide comfort to anxious insureds when a claim arises.

Special Expertise:

Monitor has developed extensive relationships with experts and consultants who specialize in aspects of employment issues. These independent relationships allow us to develop loss prevention services to meet the specific needs of our insureds while keeping premium costs in balance.