| 单词 | Risk assessment |
| 释义 | 風險評估 The identification and evaluation of loss, damage or injury that may be sustained by an insured. A contract of insurance provides protection against factors which may threaten the assets, profitability or liability of an insured. The amount of premium payable is related to the insurer’s assessment of the potential risk the insured faces: Re George and Goldsmiths and General Burglary Insurance Assn Ltd [1899] 1 QB 595. However, the assessment is not binding unless the assured prospectively or retrospectively agrees that it should be so. In making their assessment insurers normally work on the basis of an average of their previous experience of comparable risks (Thomson v Weems (1884) 9 App Cas 671 (HL)), increasing or perhaps reducing the figure according to their estimate as to whether the graph of the risk is tending or likely to rise or fall. See also Average. 指出及評估可由受保人蒙受的損失，損害或傷害。保險合約針對可威脅資產，盈利能力或受保人法律責任的因素而提供保障。應繳保費的款項與保險人就受保人面對的可能風險作出的評估有關：Re George and Goldsmiths and General Burglary Insurance Assn Ltd [1899] 1 QB 595。但除非投保人在之前或之後同意有關的評估，否則評估沒有約束力。在作出評估時，保險人通常按照 他們以往可與比較風險的經驗的平均數作為基礎 (Thomson v Weems (1884) 9 App Cas 671（上議院）)，按照他們的估計，即風險圖表是否傾向或相當可能會升或趺，增加或減少有關的數目。另見 Average。 |
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