裤尉所黄学 《商务英语》 授课教案 Chapter 36 The Story of Insurance I.Objectives A.To gain an understanding of insurance B.To learn something about its history C.To explore its development D.To learn relevant words,expressions and structures II.Introduction Exporters and importers face all the time uncertainties of loss of their goods.Insurance is used to protect their financial interests against such risks and actual losses.Without adequate protection guaranteed by insurance of those goods in transit,international trade will be negatively affected. 有句人人都熟悉的话，叫做天有不测风云，人有旦夕祸福”。在国际贸易上情形同样 如此。因此，规避风险，转嫁或尽可能的弥补损失，是进出口商们梦寐以求的事情，因此， 保险也就成了当然的选择。 III.Main points of the text A.Insurance has a long history. B. 1.Modern marine insurance originated in Britain,and London is still the centre of the insurance world. 2.Due to the high risks and huge compensation from piracy and natural disasters,syndicates of 'underwriters'are formed. C. 1.Marine insurance is the oldest form of insurance. 2.Poorly paid,badly treated,and constantly exposed to danger of being drowned,captured, or sold as slaves,seamen began to insure themselves either for a year or for the duration of a voyage D 1.Lloyd's has always been outstanding in the insurance world. 2.In China People's Insurance Company of China is the most reputable and well-established insurance body. IV.Background and terminology 1)insurance: System whereby individuals and companies concerned about potential hazards pay premiums to an insurance company,which reimburses (in whole or part)them in the event of loss.The insurer profits by investing the premiums it receives.Some common forms of insurance cover business risks, automobiles,homes,boats, worker's compensation,and health.Life insurance guarantees payment to the beneficiaries when the insured person dies.In a broad economic sense, insurance transfers risk from individuals to a larger group, which is better able to pay for losses
《商务英语》 授课教案 Chapter 36 The Story of Insurance I. Objectives A. To gain an understanding of insurance B. To learn something about its history C. To explore its development D. To learn relevant words, expressions and structures II. Introduction Exporters and importers face all the time uncertainties of loss of their goods. Insurance is used to protect their financial interests against such risks and actual losses. Without adequate protection guaranteed by insurance of those goods in transit, international trade will be negatively affected. 有句人人都熟悉的话，叫做“天有不测风云，人有旦夕祸福”。在国际贸易上情形同样 如此。因此，规避风险，转嫁或尽可能的弥补损失，是进出口商们梦寐以求的事情，因此， 保险也就成了当然的选择。 III. Main points of the text A. Insurance has a long history. B. 1. Modern marine insurance originated in Britain, and London is still the centre of the insurance world. 2. Due to the high risks and huge compensation from piracy and natural disasters, syndicates of ‘underwriters’ are formed. C. 1. Marine insurance is the oldest form of insurance. 2. Poorly paid, badly treated, and constantly exposed to danger of being drowned, captured, or sold as slaves, seamen began to insure themselves either for a year or for the duration of a voyage D. 1. Lloyd’s has always been outstanding in the insurance world. 2. In China People’s Insurance Company of China is the most reputable and well-established insurance body. IV. Background and terminology 1）insurance: System whereby individuals and companies concerned about potential hazards pay premiums to an insurance company, which reimburses (in whole or part) them in the event of loss. The insurer profits by investing the premiums it receives. Some common forms of insurance cover business risks, automobiles, homes, boats, worker's compensation, and health. Life insurance guarantees payment to the beneficiaries when the insured person dies. In a broad economic sense, insurance transfers risk from individuals to a larger group, which is better able to pay for losses. 1
尉卧喻蜀号大学 《商务英语》 授课教案 2)Elizabeth I: Elizabeth I(1533-1603),queen of England and Ireland (1558-1603),daughter of Henry VIII and his second wife,Anne Boleyn.Elizabeth was the longest-reigning English monarch in nearly two centuries and the first woman to successfully occupy the English throne.Called Glorianna and Good Queen Bess,Elizabeth enjoyed enormous popularity during her life and became an even greater legend after her death.When Elizabeth died,one of the great epochs of English history ended.Her 45-year rule decisively shaped the future of England as a stable monarchy governed through the cooperation of crown and local elites.[Microsoft Encarta Reference Library 2005.] 3)the Lombards:ancient germanic people伦巴族人（日耳曼民族之一） 4)policy: Insurance contract specifying what risks are insured and what premiums must be paid to keep the policy in force.Policies also spell out Deductibles and other terms.The policy is the written document that both insured and insurance company refer to when determining whether or not a claim is covered. 5)(insurance)certificate: Special policy blank issued by an insured for individual shipments or other purposes under an The open policy allows an insured to buy protection for all marine business for an indefinite period.When required to show evidence of insurance for a particular shipment,or to protect the cargo or ship of a client,the insured may issue a certificate of insurance backed by his or her own overriding open policy. 6)underwriter:a person or firm engaged in the insurance business保险商，保险公司 T)underwrite:to act as an underwriter,,especially to issue an insurance policy经营保险y业 8)undersign:to sign one's name at the bottom of(a letter or document)在（文件、信等）的下 面后面签名 9)(insurance)premium:the amount paid or payable,often in installments,for an insurance policy保险费 10 Great Fire of London:伦敦大火 The Great Fire of London raged for four days in September 1666 and destroyed two-thirds of the city.The fire-one of the most dramatic events of the Stuart Restoration-started accidentally,although it was popularly attributed to plotting by Roman Catholics.In fact,the fire caused almost no deaths,despite the apocalyptic tone of this 17th-century painting. 11)insure:to buy insurance so that you will receive money if something bad happens to you, your family,your possessions etc给.保险 2
《商务英语》 授课教案 2 2) Elizabeth I: Elizabeth I (1533-1603), queen of England and Ireland (1558-1603), daughter of Henry VIII and his second wife, Anne Boleyn. Elizabeth was the longest-reigning English monarch in nearly two centuries and the first woman to successfully occupy the English throne. Called Glorianna and Good Queen Bess, Elizabeth enjoyed enormous popularity during her life and became an even greater legend after her death. When Elizabeth died, one of the great epochs of English history ended. Her 45-year rule decisively shaped the future of England as a stable monarchy governed through the cooperation of crown and local elites. [Microsoft Encarta Reference Library 2005.] 3) the Lombards: ancient Germanic people 伦巴族人(日耳曼民族之一) 4) policy: Insurance contract specifying what risks are insured and what premiums must be paid to keep the policy in force. Policies also spell out Deductibles and other terms. The policy is the written document that both insured and insurance company refer to when determining whether or not a claim is covered. 5) (insurance) certificate: Special policy blank issued by an insured for individual shipments or other purposes under an Open Policy. The open policy allows an insured to buy protection for all marine business for an indefinite period. When required to show evidence of insurance for a particular shipment, or to protect the cargo or ship of a client, the insured may issue a certificate of insurance backed by his or her own overriding open policy. 6) underwriter：a person or firm engaged in the insurance business 保险商，保险公司 7) underwrite: to act as an underwriter, especially to issue an insurance policy 经营保险业 8) undersign: to sign one's name at the bottom of (a letter or document) 在(文件、信等)的下 面[后面]签名 9) (insurance) premium: the amount paid or payable, often in installments, for an insurance policy 保险费 10) Great Fire of London: 伦敦大火 The Great Fire of London raged for four days in September 1666 and destroyed two-thirds of the city. The fire—one of the most dramatic events of the Stuart Restoration—started accidentally, although it was popularly attributed to plotting by Roman Catholics. In fact, the fire caused almost no deaths, despite the apocalyptic tone of this 17th-century painting. 11) insure： to buy insurance so that you will receive money if something bad happens to you, your family, your possessions etc 给...保险
尉卧爱喻蜀专大学 《商务英语》 授课教案 It is wise to insure your property against storm damage. 给你的财产投保暴风雨损失险是明智的做法。 12)cover:if your insurance covers you or your possessions,it promises to pay you money if you have an accident,something is stolen etc入保险加以保护： The treatment wasn't covered by her healthcare insurance. 这种治疗不属于医疗保险的范围。 13)Lloyd's:劳埃德 Edward Lloyd's,Lloyd's,popularly known as Lloyd's of London,association of approximately 170 insurance syndicates,each of which comprises many individual underwriters.The name of the association is derived from that of Edward Lloyd,who opened a coffee house in London in 1688.Lloyd's establishment became a popular meeting place for ship-owners,insurance brokers and underwriters,and merchants.Microsoft Encarta Reference Library 2005] 14)coat of arms: Originally used as a means of identifying knights in battle,the Helm -Crest coat of arms serves to Mantle distinguish families, corporations,and even states and nations.The Supporter elements of a coat of -Escutcheon arms draw on a rich vocabulary of symbols that are used to represent the identity of the bearer with accuracy and pride. NGVE Microsoft®Encarta® Reference Library 2005.] Microsoft Corporation.All Rights Reserved. 15)People's Insurance Company of China(PICC): People's Insurance Company of China Holdings Company(仲国人保控股公司)isa company in the The holding company promotes its subsidiaries,PICC Asset Management Company Limited and PICC Property and Casualty Company Limited(PICC P&C(中国人民财产保险股份有限公司). V.Language points 1)trace back to:to find the origins of when something began or where it came from追溯，找出 某事的根源 The company's history can be traced back to the 19th century. 公司历史可追溯到十九世纪。 Her fear of water can be traced back to a childhood accident. 3
《商务英语》 授课教案 It is wise to insure your property against storm damage. 给你的财产投保暴风雨损失险是明智的做法。 12) cover：if your insurance covers you or your possessions, it promises to pay you money if you have an accident, something is stolen etc 入保险加以保护： The treatment wasn't covered by her healthcare insurance. 这种治疗不属于医疗保险的范围。 13) Lloyd’s： 劳埃德 Edward Lloyd’s, Lloyd’s, popularly known as Lloyd’s of London, association of approximately 170 insurance syndicates, each of which comprises many individual underwriters. The name of the association is derived from that of Edward Lloyd, who opened a coffee house in London in 1688. Lloyd’s establishment became a popular meeting place for ship-owners, insurance brokers and underwriters, and merchants. [Microsoft Encarta Reference Library 2005] 14) coat of arms: Originally used as a means of identifying knights in battle, the coat of arms serves to distinguish families, corporations, and even states and nations. The elements of a coat of arms draw on a rich vocabulary of symbols that are used to represent the identity of the bearer with accuracy and pride. [Microsoft ® Encarta ® Reference Library 2005.] 15) People’s Insurance Company of China (PICC)： People's Insurance Company of China Holdings Company (中国人保控股公司) is a state-owned company in the People's Republic of China. The holding company promotes its subsidiaries, PICC Asset Management Company Limited and PICC Property and Casualty Company Limited (PICC P&C) (中国人民财产保险股份有限公司). V. Language points 1) trace back to: to find the origins of when something began or where it came from 追溯，找出 某事的根源 The company’s history can be traced back to the l9th century. 公司历史可追溯到十九世纪。 Her fear of water can be traced back to a childhood accident. 3
莲喇附简号 《商务英语》 授课教案 她很怕水，起因可归于儿时的一次事故。 2)charter:to hire or rent out (a plane,ship,train,bus etc.)for a special use We chartered a boat to take us to some of the smaller islands. 我们租了一条船送我们去一些较小的岛屿。 They've chartered a plane to take delegates to the conference. 他们包租了一架飞机送代表去参加那个会议。 3)compensate:to provide with a suitable payment for some loss or damage赔偿，补偿 The insurance company refused to compensate her for the loss she suffered in the accident. 保险公司拒绝赔偿她在那次事故中蒙受的损失。 The company compensates her for extra work. 公司因她的额外工作而给她报酬。 4)at sea:on the sea,especially on a sea voyage海上的，尤指海上航行 He spent over 30 years at sea. 他当海员工作了30多年。 The refugees were at sea for forty days before reaching land. 难民在海上漂泊了40天才见到陆地。 5)subscription:money raised from subscribers认捐的钱 The charity arranged a performance to solicit subscriptions for the victims of the earthquake. 慈善团体组织了一场演出来为地震灾民募捐。 6)piracy: the crime of attacking and stealing from ships at sea海盗行为 Piracy is alive and flourishing on the world's commercial sea-lanes. 海盗行为在世界各地的商运航线上很猖獗。 7 syndicate:a group of people or companies who join together in order to achieve a particular aim企业联合，辛迪加 A syndicate of banks is financing the deal. 一个银行财团在给那笔买卖提供资金。 8)in the hands of:in the control of在某人的控制中 This matter is too important to be left in the hands of an inexperienced lawyer. 这件事太重要了，不能让一个没有经验的律师来办理。 We left the project in the hands of our deputy manager. 我们把这个项目交给了我们的副经理掌管。 The affair is no longer in the hands of my lawyer. 这件事己不由我的律师管了。 9)stimulus: something that causes activity刺激物，刺激因素 Light is a stimulus to growth in plants
《商务英语》 授课教案 4 她很怕水，起因可归于儿时的一次事故。 2) charter: to hire or rent out (a plane, ship, train, bus etc.) for a special use 包租 We chartered a boat to take us to some of the smaller islands. 我们租了一条船送我们去一些较小的岛屿。 They've chartered a plane to take delegates to the conference. 他们包租了一架飞机送代表去参加那个会议。 3) compensate: to provide with a suitable payment for some loss or damage 赔偿，补偿 The insurance company refused to compensate her for the loss she suffered in the accident. 保险公司拒绝赔偿她在那次事故中蒙受的损失。 The company compensates her for extra work. 公司因她的额外工作而给她报酬。 4) at sea: on the sea, especially on a sea voyage 海上的，尤指海上航行 He spent over 30 years at sea. 他当海员工作了 30 多年。 The refugees were at sea for forty days before reaching land. 难民在海上漂泊了 40 天才见到陆地。 5) subscription：money raised from subscribers 认捐的钱 The charity arranged a performance to solicit subscriptions for the victims of the earthquake. 慈善团体组织了一场演出来为地震灾民募捐。 6) piracy: the crime of attacking and stealing from ships at sea 海盗行为 Piracy is alive and flourishing on the world's commercial sea-lanes. 海盗行为在世界各地的商运航线上很猖獗。 7) syndicate: a group of people or companies who join together in order to achieve a particular aim 企业联合,辛迪加 A syndicate of banks is financing the deal. 一个银行财团在给那笔买卖提供资金。 8) in the hands of: in the control of 在某人的控制中 This matter is too important to be left in the hands of an inexperienced lawyer. 这件事太重要了，不能让一个没有经验的律师来办理。 We left the project in the hands of our deputy manager. 我们把这个项目交给了我们的副经理掌管。 The affair is no longer in the hands of my lawyer. 这件事已不由我的律师管了。 9) stimulus: something that causes activity 刺激物，刺激因素 Light is a stimulus to growth in plants
「尉虾喻蜀多大孝 《商务英语》 授课教案 光是植物生长的促进因素。 Tax cuts provided the stimulus which the slow economy needed. 减税提供了加快经济增长所需的刺激。 10)facility: a system which makes it possible to do something Do you offer a bank account with an overdraft facility? 你们提供具有透支便利的银行帐户吗？ ll)ransom:release of a captive in return for money,etc demanded by his captors付赎金使被劫 持者获释，赎身 He's got the ransom money. 他已经得到了赎身的钱了。 l2)claim:to demand or ask for as one's own or one'sdue;assert one's right to(根据权利要 求，声称，主张 He claimed a large amount against the person who had crashed into his car. 他要求那个撞坏他车的人赔偿大量金额。 Every citizen may claim the protection of the law. 每一公民均可要求法律的保护。 13)for short:used as a shorter way of saying a name His name's Maximilian,but we just call him Max for short. 他的名字叫马克西米连，但我们只是简称他为马克斯。 He's called Ed for short. 人们用简称叫他埃德。 14)mushroom:spread or increase in number rapidly迅速扩散或增加 The population mushroomed in the postwar decades. 战后数十年里人口快速增长。 New housing developments mushroomed on the edge of town. 新的房地产开发在市区的边缘迅速展开。 Difficult sentences 1)It was the Lombard's......."Policy". 该句的前半部分：It was the Lombard's who introduced the world“polizza,...是一 个强调句，强调主语lombards,.强调句的结构为：It+动词be+强调部分+that/who (m)+其他部分，例如： It was you who had been wrong. 错的是你。 It was on Monday that all this happened. 这一切都是在星期一发生的。 该句的后半部分：..into the insurance world,where the contract of..policy'.是一个由 where引导的非限定性定语从句，该从句修饰insurance world.. 2)One of Elizabeth I's ministers...Insurance
《商务英语》 授课教案 5 光是植物生长的促进因素。 Tax cuts provided the stimulus which the slow economy needed. 减税提供了加快经济增长所需的刺激。 10) facility: a system which makes it possible to do something 便利 Do you offer a bank account with an overdraft facility? 你们提供具有透支便利的银行帐户吗？ 11) ransom: release of a captive in return for money, etc demanded by his captors 付赎金使被劫 持者获释，赎身 He's got the ransom money. 他已经得到了赎身的钱了。 12) claim: to demand or ask for as one's own or one's due; assert one's right to (根据权利)要 求, 声称, 主张 He claimed a large amount against the person who had crashed into his car. 他要求那个撞坏他车的人赔偿大量金额。 Every citizen may claim the protection of the law. 每一公民均可要求法律的保护。 13) for short : used as a shorter way of saying a name 简称 His name's Maximilian, but we just call him Max for short. 他的名字叫马克西米连，但我们只是简称他为马克斯。 He's called Ed for short. 人们用简称叫他埃德。 14) mushroom: spread or increase in number rapidly 迅速扩散或增加 The population mushroomed in the postwar decades. 战后数十年里人口快速增长。 New housing developments mushroomed on the edge of town. 新的房地产开发在市区的边缘迅速展开。 Difficult sentences 1） It was the Lombard’s ……. “Policy”. 该句的前半部分：It was the Lombard’s who introduced the world “polizza,”…….是一 个强调句，强调主语 lombards，强调句的结构为：It +动词 be + 强调部分+that / who (m) +其他部分，例如： It was you who had been wrong. 错的是你。 It was on Monday that all this happened. 这一切都是在星期一发生的。 该句的后半部分：…into the insurance world, where the contract of …’policy.’是一个由 where 引导的非限定性定语从句，该从句修饰 insurance world. 2） One of Elizabeth I’s ministers … Insurance
虾！喻货易大孝 《商务英语》 授课教案 这句话的主语是one of Elizabeth1's ministers,Sir Thomas Greham是其同位语。with a group of merchants尽管与主语的位置很近，但并非主语中的一部分，而是状语。其 本来的位置应放在句后，提前以示强调。 VI.Summary Insurance has a long history and can be traced back to ancient Greece and Rome.Modern marine insurance originated from Britain,with Lloyd's being one of the most prominent insurance underwriters in the world.Because of risks of loss from piracy and natural disaster involved in cargo freight,insurance has developed rapidly,and in turn it has promoted transportation and international trade. VII.Comprehension questions 1.How did insurance come into being? 2.Where and how was the first center for shipping insurance formed? 3.Why did groups of merchants form syndicates of "underwriters"? 4.When and why was a big stimulus given to fire and general insurance? 5.Why did seamen of the 17thcentury insure themselves? 6.What kind of insurance does Lloyd's cover?
《商务英语》 授课教案 6 这句话的主语是 one of Elizabeth 1’s ministers，Sir Thomas Greham 是其同位语。 with a group of merchants 尽管与主语的位置很近，但并非主语中的一部分，而是状语。其 本来的位置应放在句后，提前以示强调。 VI. Summary Insurance has a long history and can be traced back to ancient Greece and Rome. Modern marine insurance originated from Britain, with Lloyd’s being one of the most prominent insurance underwriters in the world. Because of risks of loss from piracy and natural disaster involved in cargo freight, insurance has developed rapidly, and in turn it has promoted transportation and international trade. VII. Comprehension questions 1. How did insurance come into being? 2. Where and how was the first center for shipping insurance formed? 3. Why did groups of merchants form syndicates of “underwriters”? 4. When and why was a big stimulus given to fire and general insurance? 5. Why did seamen of the 17th century insure themselves? 6. What kind of insurance does Lloyd’s cover?