Разговорный бизнес курс. Митрофанова И.В. - 64 стр.

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Patent Office — организация, выдающая патенты;
to lapse — терять силу; становиться недействительным;
trade-mark — фирменный знак, торговая марка;
static — статичный, нединамичный рынок(в сочетании со словом market);
specification — спецификация;
apply for — обратиться за чем-либо; подать заявление, заявку;
break into a market — выйти, пробиться, попасть на рынок;
to get an application in — подать заявку с просьбой о чем-либо;
photostat — фотостарт, фотокопия рисунка, чертежа
, документа.
UNIT 16
Insurance
Some weeks ago a lorry carrying Harper & Grant's goods was hi-jacked on the road.
Now there is a further development of this which concerns the insurance. Every firm
insures itself against loss or damage to its property.
Harper & Grant's insurance brokers had arranged a blanket insurance with a syndicate
of Lloyds underwriters. Blanket insurance means insurance which covers everything,
a comprehensive policy. Harper & Grant make a statement at the end of an
accounting period (say once a month or once a quarter) of the total value of all goods
handled. The premium is then paid as, a percentage of the total value of goods.
Lloyds, of course, in a huge insurance organisation in London. Within this
organisation, underwriters, or insurers, work independently, although they are
grouped in syndicates.
When the lorry was found abandoned, with its spoiled load of office furniture, the
adjusters came in. The underwriters employ a firm of adjusters whose job is to assess
or value the loss or damage. The sum they give will not usually be as much as the full
insured value of the goods or property. They will take into account, among other
things, the depreciated value: for example, the value of the lorry has gone down,
depreciated, because it is two years old. However, in this case the lorry is a write off,
a total wreck and impossible to repair. But this does not concern Harper & Grant,
because the lorry belonged to Andersons, the transport company from whom they
hire vehicles. But the load of office furniture does concern them. They have already
had to replace the load, which was wanted urgently in Scotland.
When a company, or a person, takes out an insurance policy it is very often an all-
risks policy, that is, it insures the goods or property against almost anything that
could happen. But most insurance companies put in some exceptions, like outbreak of
war or Act of God (something Out of the ordinary which cannot be considered a
normal risk). When an accident or robbery takes place the injured party puts in a
claim to the insurance company. If the insurance company agrees to pay it is said to
meet the claim. Notice, first you take out a policy, then you put in a claim, and the

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