又来了 ，英译汉，这次翻译两句话 和分析下第二句的句子成分

otherwise-stay-at-home partner

另外那个呆在家里的伴侣

第一句的意思是：

但是在今天，一个专职家庭主妇（主夫）的额外收入不能够弥补的起家庭遭受的不幸。（家庭遭受的变故）。

句子成分分析：

1、这句话的主干是Both the absolute cost of healthcare and the share of it borne by families have risen ，意思是医疗费用和其中家庭承担的部分都已经上涨。

2、破折号后面是一个完整的句子，陈述现在的医疗方面的情况，是对前面的补充说明；

with短语是对newly fashionable health-savings plans 的补充说明。

3、from legislative halls to Wal-Mart workers，legislative halls是立法大厅；Wal-Mart workers沃尔玛员工，这里是借指普通老百姓，所以from legislative halls to Wal-Mart workers是指从高层官员到普通老百姓的意思。

4、deductibles 是扣除条款的意思，much higher deductibles意思是更多的更高的减免性扣除条款（换句话说用这种新的plan可以为你减少花在healthcare上的钱，但是是风险投资。）

第二句的翻译：

医疗保险的绝对费用和家庭所承担的（部分）费用均已经上涨--而新型的医疗储蓄计划推广从立法机关到沃尔玛员工，涉及每一个人；这一计划出现了更多的更高的减免性扣除条款，并给家庭未来的医疗保险又增加了一笔很大的投资风险。

高分求助：海事法律英译汉

10.1 The cover afforded by this Class is limited except as to the

indemnity provided by Rule 9.2.4 to the payment of legal costs,

charges and di**ursements incidental to or in anticipation of legal

or other proceedings.

10.2 While an Assured has complete freedom to litigate or arbitrate

disputes involving his vessels entered in the Association it is a

condition precedent to his right to recover, in whole or in part,

out of the funds of this Class that at all times the Association shall

have sole discretion as to:

10.2.1 the claims in respect of which it may support an Assured;

10.2.2 the conduct thereof (and the exercise of any right to recover

costs therein);

10.2.3 the extent of such support and conduct both in terms of

progress through the appropriate legal or arbitral process

and/or of the Assured’s monetary recovery out of the funds of

this Class;

10.2.4 the discontinuance or settlement of claims or the discontinuance

of support in connection with claims which it has

previously agreed to support;

and the Committee shall be entitled when exercising its sole

discretion to take into account, inter alia, the merits of the claim

or matter, the interests of the other Assureds of this Class, the

amount of the costs and expenses incurred or expected to be

incurred in respect of the claim and its effect on the financial

position of this Class.

10.3 The Committee may in its sole discretion determine for each

Policy Year the figures above and/or below which claims will be

reimbursed in full; but otherwise, unless the Association agrees in

writing to provide full cover without deductibles as a term of

entry, deductibles shall apply to each claim and there shall be no

recovery in respect of 25% of all legal costs, charges and

di**ursements.

10.4 The Association shall not be responsible for damages resulting

from the arrest of any vessel, nor for the exercise of a lien on

cargo, although such vessel may have been arrested or such lien

may have been exercised upon the advice of the Association, its

correspondents, lawyers or lawyers acting for the Assured.

10.5 Notwithstanding Rules 10.1, 10.2, 10.3 and 10.4, the cover

afforded by this Class under Rule 9 to the Assured for legal costs,

charges or di**ursements shall be limited in the aggregate to

USD7,500,000 for any single claim, dispute, proceeding or series

thereof. The Committee may in its sole discretion decide whether

or not any claims, disputes or proceedings shall be considered to

be a series thereof.

可能不是特别准确

1月10日的封面所提供的这个类是有限的，除非

偿提供的第9.2.4支付法律费用，

收费和付款附带或预期的法律

或其他程序。

2月10日虽然有保证已经完全自由进行诉讼或仲裁

争端涉及他的船只进入该协会是一个

先决条件，他有权收回，全部或部分，

从资金的这一类，它在任何时候都不得协会

有自行10.2.3的程度，这种支持和行为两方面

进展情况通过适当的法律或仲裁程序

和/或受保人的货币回收的资金

这一类;

10.2.4终止或理赔或中止

支持与索赔它

以前商定的支持;为：

委员会应有权行使其时唯一的

自由裁量权，考虑到除其他外，根据案情的索赔

或问题，利益的其他Assureds这一类的

数额的费用和支出，或预计将

承担的索赔及其对金融

这个类的地位。

10.3委员会可自行确定对每种

政策年以上数字和/或以下的索赔将

偿还充分;但除此之外，除非该协会同意

书面提供充分的覆盖无免赔额的任期

entry, deductibles shall apply to each claim and there shall be no

恢复对25 ％的法律费用，收费及

付款。

4月10日该协会将不负责造成的损害

从逮捕的任何船只，也为行使留置权

货物中，虽然这些容器可能会被逮捕或留置权

可能已被行使后的意见，协会，其

记者，律师或律师代理的保证。

5月10日虽有细则10.1 ， 10.2 ， 10.3和10.4 ，封面

这个类提供了根据第9条的保障的法律费用，

收费或付款应限于总额为

USD7 ， 500,000任何单一索赔，**，诉讼或系列

有。委员会可自行决定是否

或没有任何索赔，**或诉讼，应视为

是一系列不足。

船东互保协会提供担保怎么收费

船东互保协会提供担保按照收入收费。P.I.Clubs每一成员每年度缴纳费用的定价根据他希望承保的灾难情况、所选择的绝对免赔额(deductibles)和他所提示披露的特别风险(individualrisk)确定。这个基准定价（包括维持协会运作开支每一成员承担的份额和再保险费(reinsurancepremiums)），乘以保单年度中输入的总吨数，从而产生预付保险费(advancecall)。在保单年度终结后，年度余额为预付保险费收入减去已付和应付的诉讼费用、管理费用、在保险费用和代理费用。如果各类费用超支，将向各成员按预付保险费的比例（一次或数次）征收补充保险费(supplementarycalls)。如果收入多于各类开支，将按同样基础做出返还。

英语翻译

12.2. PROPORTIONATE LIABILITY.

12.2 比例分摊责任

Any liability of the of the Architect for breach of this agreement, or for any other cause of action arising out of the breach of this agreement, shall be limited to those damages actually caused by the Architect’s breach and shall not include any liability for damages caused by the Contractor, the Owner, or other members of the construction team.

建筑师因违反此协议，或因任何引起违反此协议的其他行为的原因而承担的任何责任，应限于由建筑师的违反实际引起的那些损害，不应该包括对任何由承包商、业主或施工团队其他成员引起的损害的责任。

A. Insurance

A. 保险

The most obvious risk-shift measure is through insurance, but the enormous cost of architects’ and engineers’ liability insurance -- and the huge deductibles that typically apply to them -- make them a very unsatisfactory method of shifting the risk from themselves. A much better method is to shift the risk from the Architect and his insurance carrier to other members of the construction team’s insurance carriers, which can be done through the use of an “additional insured” clause in the Owner/Architect Agreement and, through it, in the Owner/Contractor Agreement. A typical clause might read as follows:

最明显的风险转移措施是通过保险，但建筑师和工程师的责任险的巨大成本，以及一般来说适用于他们的巨大免赔额，使它们成为一种转移自己风险不能令人满意的方法。一种好得多的方法是将风险从建筑师及其保险公司转移到施工团队其他成员的保险公司，这可以通过在业主/建筑师协议中采用“附加投保”条款，并通过它而实现。典型的条款可以读出出如下：

12.3. ADDITIONAL INSURED.

12.3 附加投保

To the extent possible, the Owner will include the Architect as an additional insured on all policies of insurance on this Project, and will require, in its contract with the Contractor, that the Contractor and its subcontractors include the Architect as an additional insured on all of the policies of insurance which they are required to maintain in effect on the Project. 在可能的程度上，业主将在本项目所有保险单上作为附加投保而包括建筑师，而且将在其与承包商的合同中要求，承包商及其分承包商在所有他们被要求保持对项目有效的保险单上作为附加投保而包括建筑师。

Although the Supreme Court has refused to extend the express negligence doctrine to additional insured provisions, see, Getty Oil Company v. Insurance Co. of North America, 845 S.W.2d 794 (Tex. 1992), prudence would dictate that, in light of the opinion in Dresser Industries v. Page Petroleum, 853 S.W.2d 505 (Tex. 1993), the clause be conspicuous. 虽然最高**一直拒绝将明示过失原则扩展到附加投保条款中，这可参见Getty 石油公司对 北美保险公司的案例, 845 S.W.2d 794 (Tex. 1992), 但是鉴于Dresser Industries公司对Page石油公司案例853 S.W.2d 505 (Tex. 1993)中的观点，为审慎起见，该条款是醒目的。

A. Indemnification

A．赔偿

A much-attempted, but [at least in this author’s experience] seldom successful attempt at risk shifting in Owner/Architect contracts is the use of contractual indemnification clauses. These generally take one of two forms: (1) Indemnification from the consequences of the negligent acts of others; and (2) indemnification from the consequences of one’s own negligence. The statutory and common law limitations upon the use of the latter are considerable, although the former can and is frequently is used by some of the members of the construction team to shift risks. 在业主/建筑师的合同中，在风险转移上一个常常尝试，但（至少在本作者的经验中）很少成功的尝试是使用合同赔偿条款。这些条款一般取两种形式的一种：1）来自因其他人过失行为的后果的赔偿；2）来自因自己过失的后果的赔偿。虽然前者常常被要转移风险的施工团队的某些成员所采用，但对于后者的使用，法定的限制和普通法的限制是相当大的。

1 Indemnification from the Architect’s Own Negligence

1. 来自建筑师自己过失的赔偿

a Statutory Limitations

a. 法定限制

Some jurisdictions have statutory limitations which affect the designer’s attempt to require the Contractor to indemnify the Architect. See, e.g., Tex.Civ.Prac. Rem.Code Ann. Section 130.002 (Vernon Supp. 1996) which states that: A covenant or promise in, . . . a construction contract is void and unenforceable if the covenant or promise provides for a contractor . . .to indemnify or hold harmless a registered architect, registered engineer or . . . from liability for damage that:

某些管辖权有法定的限制，这会影响到设计师要求承包商赔偿建筑师的意图。参见Tex.Civ.Prac. Rem.Code Ann. 的案例，Section 130.002 (Vernon Supp. 1996)，它说明了：一项在……一份施工合同中的契诺或承诺，如果该契诺或承诺为承包商提供了……以赔偿或保持无害于一名注册建筑师、注册工程师或……那么从以下的损害责任来说是无效的，或是无法执行的：

谁能把这份再保险单翻译

google翻译的结果

再滑放心:中国民用航空总局的利益:4架波音707B型2408,B型2416,B型2418,B型2420; 62月2日B型2024,B型2020条件:船体:波音707:大约三千万元人民币. 伊尔62aoacft大约人民币25,000,000. aoacft事宜. :俊毕/钯人民币100,000,000农产品协议地价: 整体比率百分之船体价值(约人民币2,000,000)船壳、事宜. 战争、高新技术等顶少15%续约,应支付的分期付款扣除4:人民币100,000, 箭飞行452. taxying食用风险人民币2.5农产品协定地面风险(无免赔额为汤匙L澳宗)期间: 迄于1974年9月29日缘. 限:全球保留:10%住宅/我组件. :15%

雅虎翻译的结果

再保险滑动 确定: 中国的民航的管理 兴趣: 4 波音707 B-2408, B-2416, B-2418, B-2420; 2 IL 62 B- 2024 年, B-2020 情况: 船身: 波音707: RMB 元30,000,000 大约。AOACFT IL 62 RMB 元25,000,000 大约。AOACFT Liab.? CSL BI/PD RMB 元100,000,000 AOA 保险费: 船身价值(大约RMB 元% 的整体率 2,000,000) 为船身、liab., 战争, 劫持等15% 更新, 被支付在4 就职 扣除: RMB 元100, 000, AOA 为飞行incl. 乘出租车和 摄取冒险RMB 元25,000 AOA 为地面风险(没有 可扣除为T. L. O. 案件) 期间: 12months 在1974 年9月29 日 Geo 。极限: 全世界 保留: 10% R/I com.? 15%

关于保险的英语对话阅读

通过对话教学,学生可以进行听、说、读、写各方面技能的训练,可以说这是培养学生综合技能的最有效的途径。我精心收集了关于保险的英语对话，供大家欣赏学习!

关于保险的英语对话1

A: I’ve just take out an insurance policy. Are you insured?

B: yes, I am. I have life insurance and my home and its contents are also insured.

A; I took out a life insurance policy and make my wife beneficiary.

B: that’s a good idea. You are a fireman and it can be a dangerous job.

A: I need to make sure that my wife will be financially secure if I die.

B; I can terminate my life insurance policy when I retire and use the money as a pension.

A; that’s one of the conditions of my policy too. It covers you if you die before you retire and when you retire.

B; did you have to take a medical before you could take out the policy?

B: yes, I did. It was one of the conditions of the insurance policy. The insurance pany need to assess the risk.

关于保险的英语对话2

A: good morning. I’d like to ask some questions about your insurance policies.

B: of course. Please sit down. How many I help you?

A; I bought a house recently and would like to insure it and its content.

B: I see. Here’s a pamphlet about our home insurance policy. We’ve named our policy ”umbrella”. May I ask how much you paid for your home and where you live? These are the two main thing that decide how much your premiums are.

A: I understand. I live in the Oakfield area and paid $100,000 for my home.

B: let me just check that on my puter. Oaksfield is a low risk area, so your premiums will probably be around $100 a month. The other thing to take into account is deductibles.

A: in this pamphlet it says that the minimum amount for deductibles is $2000. what does that mean exactly?

B: it means That the first $2000 of any claim you make must be paid by you. The insurance policy covers any amount above that, up to the agreed limit.

A: oh, I see. That’s fine. What is the advantage of having higher deductibles?

B; If you have higher deductibles, your premium are lower, because you will pay more of the claim and we will pay less.

A: it seems that I should do some calculations before deciding. I presume that the insurance period can be for as long as we aggress.

B: we initially sign one-year policies with our policyholders. These are renewable after the first year.

A; if I have a claim, how long does it take to make a settlement? I’ve heard that with some insurance panies, it can take monthes.

B; that is of great concern to out clients. We aim to satisfy all claims within a month, but we can’t guarantee that

关于保险的英语对话3

A： Miss Zhao， a secretary of the Shanghai Construction Project pany; B： a clerk with Insurance pany

A： I want to have our new project insured.

B： Fine. What kind of risks do you want covered?

A： All risk insurance.

B： OK， what's the name of the project or title of the contract?

A： The contract is entitled“Contract for the Construction of Heping Bridge Project”。

B： Could you tell me the names and addresses of the owner， contractors， subcontractors and consulting engineer?

A： Here is the list of their names and addresses.

B： Where's the location of the contract site?

A： The bridge is located in the west of the city.

B： How long are the construction and maintenance periods?

A： The contract requires that the construction be pleted within 28 months， plus one year maintenance.

B： I suppose you should have both the permanent and temporary works insured.

A： Yes， we also hope to have all of our construction machinery insured as well.

B： Please let me have the prices of all the equipment.

A： Certainly. I'll give you the prices later.

B： In addition， can you also provide us with documents relating to the site conditions?

A： You mean meteorological， geological， and subsoil conditions?

B： Yes.

A： OK. I'll have them prepared and sent to you. Incidentally， may I first have the blank application forms?

B： Sure. Here they are. Please take them to your insurance broker and I think he should be able to help you with the decisions.

A： Thank you. I'll be back in a few days.