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Video 18: Read your insurance policy and understand the exclusions / leer su póliza y entender las exclusiones 

https://youtu.be/rRmBP3iXx7I

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Itzel in a tree house in San Diego, California. Our phrase for the week is:

You need to make sure that you read your insurance policy to understand your insurance policy’s exclusions.

Itzel: Aasegurarse de leer su póliza de seguro y entender las exclusiones que esta contiene.

Dwight: The coverage under a typical auto insurance policy is divided into two categories: Physical damage coverage and Liability coverage. Physical damage coverage is divided into two different categories: Comprehensive Coverage

Itzel: Cobertura completa o todo riesgo.

Dwight: or collision coverage.

Itzel: Cobertura contra choque.

Dwight: The term for comprehensive coverage, in both Spanish and English, can be confusing. It sounds like it’s going to cover everything. But with any policy, coverage is always going to be subject to the exclusions. So you need to read the policy to make sure that you have the appropriate coverage.

A key exclusion in a comprehensive insurance policy is an exclusion for collision. So, for example, you might be thinking that you have coverage if you are in an accident if you have comprehensive coverage. But again, comprehensive coverage does not cover you in case you are in an accident. If you want coverage for accidents, you need to get collision coverage. And our phrase for the week is:

You need to make sure that you read your insurance policy to understand your insurance policy’s exclusions.

Itzel: Aasegurarse de leer su póliza de seguro y entender las exclusiones que esta contiene.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 17: Insurance Spanish: Premium Finance Company / Compañía Financiera de Primas

https://youtu.be/fDtP1LdjiGw

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Isabel in Chula Vista, California. Our insurance phrase of the week is:

A premium finance company allows policyholders to make monthly payments on a policy that otherwise would need to be paid in full at the beginning of the policy period.

How would you say that in Spanish?

Isabel: Una compañía financiera de primas le permite a los titulares de las pólizas hacer pagos mensuales de una póliza que de otro modo tendrían que pagarse en su totalidad al comienzo del período de la póliza.

Dwight: That’s a tough phrase, so lets break this down into parts. First we have a premium finance company

Isabel: Una compañía financiera

Dwight: allows policyholders

Isabel: permite a los titulares de las pólizas

Dwight: And you can hear in the Spanish it’s saying “permit,” so allows like permission, just to make it easier as you’re learning the phrase. So, allows policyholders means

Isabel: permite a los titulares de la póliza

Dwight: to make monthly payments.

Isabel: hacer pagos mensuales

Dwight: that otherwise

Isabel: que de otro modo

Dwight: would need to be paid in full

Isabel: tendrían que pagarse en su totalidad

Dwight: at the beginning of the policy period.

Isabel: al comienzo del período de la póliza.

Dwight: I know, this is a long one. But let’s look at what’s going on. We learned in a previous video that:

Some insurance policies can be paid with monthly payments.

Isabel: Algunas pólizas de seguros pueden pagarse con pagos mensuales.

Dwight: We also learned that some policies need to be paid in full at the beginning of the policy period.

Isabel: Algunas pólizas de seguro deben pagarse en su totalidad al comienzo del período de la póliza.

Dwight: If you have a policy that needs to be paid in full and you want to make smaller monthly payments, you can use a premium finance company. The premium finance company will pay for the premiums in full at the beginning of the policy period. This will start the policy. The policyholder then makes monthly payments to the premium finance company. Of course, if you don’t make your monthly payments to the premium finance company, your policy can be canceled. Or, as we said in a previous video:

Your insurance policy will be canceled if you don’t make the monthly payments.

Isabel: Su póliza de seguro será cancelada si no realiza sus pagos mensuales.

Dwight: So you understand the concepts. Now let us review our phrase a few more times:

A premium finance company allows policyholders to make monthly payments on a policy that otherwise would need to be paid in full at the beginning of the policy period.

Isabel: Una compañía financiera de primas le permite a los titulares de las pólizas hacer pagos mensuales de una póliza que de otro modo tendrían que pagarse en su totalidad al comienzo del período de la póliza.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 16: Collision Auto Insurance Coverage / Seguro de Auto Cobertura Contra Choque

https://youtu.be/aJr48CxbDII

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Itzel in a tree house in San Diego, California. Our phrase for the week is:

Collision coverage will pay the cost minus your deductible of repairing or replacing your car when it is damaged in an accident.

Itzel: La cobertura contra choque pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado en un accidente. Este pago se hace después de recibirse el deducible.

Dwight: Physical damage coverage is divided into two different categories: Comprehensive Coverage and collision coverage. Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft. The term for comprehensive coverage in Spanish is:

Itzel: Cobertura completa o cobertura todo riesgo.

Dwight The term for collision coverage in Spanish is:

Itzel: Cobertura contra choque.

Dwight: As the name implies, collision coverage provides coverage in case you are in an accident. It does not provide coverage to repair or replace your vehicle if your car is damaged or destroyed by things like a storm or fire.

Itzel: Como su nombre lo indica la cobertura contra choque solo aplica en caso de accidente. La cobertura contra choque no cobre daños producidos por eventos tales como tormentas o incendios.

Dwight: Our phrase for the week is this:

Collision coverage will pay the cost minus your deductible of repairing or replacing your car when it is damaged in an accident.

Itzel: La cobertura contra choque pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado en un accidente. Este pago se hace después de recibirse el deducible.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 15: Insurance Policies paid in full/pagarse en su totalidad al comienzo del período de la póliza

https://youtu.be/f1Kh-GFbKz4

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Isabel in Chula Vista, California, and our phrase for the week is:

Some policies need to be paid in full at the beginning of the policy period.

Isabel: Algunas pólizas de seguros deben pagarse en su totalidad al comienzo del período de la póliza.

Dwight: Let’s say that again: Some policies need to be paid in full at the beginning of the policy period.

Isabel: Algunas pólizas de seguros deben pagarse en su totalidad al comienzo del período de la póliza.

Dwight: A few videos ago we learned the phrase: Some insurance policies can be paid with monthly payments.

Isabel: Algunas pólizas de seguros pueden pagarse con pagos mensuales.

Dwight: This implies that other insurance companies require payment in full before they will start the policy. So, our phrase for the week is:

Some policies need to be paid in full at the beginning of the policy period.

Isabel: Algunas pólizas de seguros deben pagarse en su totalidad al comienzo del período de la póliza.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 14: Comprehensive Auto Insurance Coverage / Seguro de Auto cobertura complete o contra todo riesgo

https://youtu.be/9IlDjw7_h34

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Itzel in a tree house in San Diego, California.

Our phrase for the week is: Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft.

Itzel: La cobertura contra todo riesgo pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado por una tormenta, incendio, vandalismo o robo. El pago de este cobertura se efectuará después de que el deducible se ha pagado.

Dwight: Physical damage coverage is divided into two different categories: Comprehensive Coverage

Itzel: Coberatura completa o todo riesgo

Dwight: Or Collision Coverage.

Itzel: Cobertura contra choque

Dwight: Collision coverage provides coverage in case your vehicle is damaged in an accident. Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft.

Itzel: La cobertura contra todo riesgo pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado por una tormenta, incendio, vandalismo o robo. El pago de este cobertura se efectuará después de que el deducible se ha pagado.

Dwight: Let’s listen again to the two phrases we used for comprehensive coverage in Spanish:

Itzel: Coberatura todo rieso. Coberatura completa.

Dwight: The term for comprehensive coverage, in both Spanish and English can be confusing. It sounds like it’s going to cover everything. But with any policy, coverage is always going to be subject to the exclusions. So you need to read the policy to make sure that you have the appropriate coverage.

A key exclusion in a comprehensive insurance policy is an exclusion for collision. So, for example, you might be thinking that you have coverage if you are in an accident if you have comprehensive coverage. But again, comprehensive coverage does not cover you in case you are in an accident. If you want coverage for accidents, you need to get collision coverage. The term for collision coverage in Spanish is:

Itzel: Coberatura contra choque.

Dwight: You’ll notice that in our phrases, we are saying that the insurance company is going to pay after the insured pays the deductible. It is important to know that the deductible is paid per vehicle. So if you are a business with 10 vehicles and you have a $5,000 deductible per vehicle, you could be paying $50,000 in deductibles for the insurance company to repair or replace your vehicles.

Now that we understand what comprehensive coverage means, let’s look at our insurance phrase for the week:

Comprehensive coverage will pay the cost, minus your deductible, of repairing or replacing your car when it is damage by a storm, fire, vandalism, or theft.

Itzel: La cobertura contra todo riesgo pagará el costo de reparación o emplazo de su automóvil cuando este ha sido dañado por una tormenta, incendio, vandalismo o robo. El pago de este cobertura se efectuará después de que el deducible se ha pagado.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 13: Your insurance policy will be canceled if you don’t make the monthly payments.

Su póliza de seguro será cancelada si no realiza sus pagos mensuales.

https://youtu.be/ZhEEQawrCXk

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Isabel in Chula Vista, California, and our phrase for the week is: Your insurance policy will be canceled if you don’t make the monthly payments.

Isabel: Su póliza de seguro será cancelada si no realiza sus pagos mensuales.

Dwight: Last week’s phrase taught us the good news that: Some insurance policies can be paid with monthly payments.

Isabel: Algunas pólizas de seguros pueden pagarse en pagos mensuales.

Dwight: That was the good news. The bad news is that if you have an insurance company or a finance company that allows you to make monthly payments, and you fail to make the monthly payments, your insurance policy will be canceled.

Isabel:Su póliza de seguro será cancelada.

Dwight: So, our phrase for the week is:

Your insurance policy will be canceled if you don’t make the monthly payments.

Isabel: Su póliza de seguro será cancelada si no realiza sus pagos mensuales.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 12: If you lease or finance your vehicle, you may be required to purchase comprehensive and collision insurance coverage.

Si arrienda o financia su vehículo, probablemente necesite adquirir una póliza con cobertura completa y choque.  

https://youtu.be/w_AsthAYMXA


Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Itzel in a tree house in San Diego, California.

Our phrase for the week is: If you lease or finance your vehicle, you may be required to purchase comprehensive and collision insurance coverage.

Itzel: Si arrienda o financia su vehículo, probablemente necesite adquirir una póliza con cobertura completa y choque.

Dwight: This is because when you finance or lease your vehicle, someone else like a bank has a financial interest in your vehicle. They want to make sure that they get paid if the vehicle is damaged or destroyed.

Physical damage coverage for an auto is divided into two different categories: comprehensive coverage and collision coverage.

The term for comprehensive coverage in Spanish is:

Itzel: Cobertura completa o todo riesgo

Dwight: Comprehensive coverage provides coverage for your vehicle if it is damaged or destroyed by things like fire, storm, theft, or vandalism. The term for collision coverage in Spanish is:

Itzel: Cobertura contra choque.

Dwight: Collision coverage provides coverage in case your vehicle is damaged in an accident.

So when you finance or lease a vehicle, you may need to know our phrase for the week. And our phrase for the week is: If you lease or finance your vehicle, you may be required to purchase comprehensive and collision insurance coverage.

Itzel: Si arrienda o financia su vehículo, probablemente necesite adquirir una póliza con cobertura completa y choque.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 11: Some insurance policies can be paid with monthly payments.

Algunas pólizas de seguros pueden pagarse con pagos mensuales.

https://youtu.be/VyBT_St1Dzk

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. I’m here with Isabel in Chula Vista, California, and our phrase for the week is: Some insurance policies can be paid with monthly payments.

Isabel: Algunas pólizas de seguros pueden pagarse con pagos mensuales.

Dwight: That is good news. Imagine that you have an annual insurance policy that costs $12,000. If you have an insurance company that allows you to pay the insurance company directly every month, you would need to pay the insurance company $1,000 every month. If you have an insurance company that requires payment in full.

Isabel: pago total

Dwight: You would have to pay the full $12,000 at the beginning of the insurance policy.

[There are two common ways to say "Payment in Full" in Spanish: monto total and pago total]

Do you ever say “monto total?”

Isabel: Puede ser “monto total.” [It can be “monto total.”]

Dwight: Which do you prefer?

Isabel: Pago total.

Dwight: Insurance companies that allow policyholders to pay the insurance company directly are called “Direct Bill” companies. Insurance companies that bill through an insurance broker or agent are called “Agency Bill” companies. So, our phrase for the week is: Some insurance policies can be paid with monthly payments.

Isabel: Algunas pólizas de seguros pueden pagarse con pagos mensuales.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 10: The price for a workers compensation insurance policy is based on the estimated annual payroll, and the type of work the employees are doing.

El precio por la póliza de compensación de trabajo se basa en la nómina anual estimada de empleados y el tipo de trabajo que los empleados hacen.

https://youtu.be/CQkyhacmpZo

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. Today I am here with Elias in Murrieta, California. Our phrase for the week is: The price for a workers compensation insurance policy is based on the estimated annual payroll, and the type of work the employees are doing.

Elias: El precio por la póliza de compensación de trabajo se basa en la nómina anual estimada de empleados y el tipo de trabajo que los empleados hacen.

Dwight: The estimated annual employee payroll

Elias: La nómina anual estimada de empleados

Dwight: is the amount that the business plans on paying its employees over the next 12 months. The type of work your employees are doing

Elias: El tipo de trabajo que hacen sus empleados

Dwight: Is sometimes also called the classification of the employees or

Elias: clasificación

Dwight: Worker’s Compensation Insurance helps pay for employees who might be injured on the job. There is a different rate for workers compensation depending on what type of work employees are doing. For example, the rate for trimming trees

Elias: podando árboles

Dwight: Is going to be more expensive than for an employee doing clerical work

Elias: trabajo administrado

Dwight: This is because there is a greater risk of an employee getting injured while trimming trees, than while doing clerical work. For example, the worker’s compensation rate for tree trimmers could be $30 for every $100 in employee payroll. The worker’s compensation rate for clerical employees could be $1 for every $100 in employee payroll. This means that if an employer has annual employee payroll of $100,000 for tree trimming employees, the employer would pay $30,000 per year for worker’s compensation insurance. If the employer has annual employee payroll of $100,000 for clerical employees, the employer would pay $1,000 per year for worker’s compensation insurance.

Employers also pay more or less depending on the number and severity of worker’s compensation claims that the employer might have had in the past, but that’s more than we need to know for today. For today, our phrase for the week is:

The price for a workers compensation insurance policy is based on the estimated annual payroll, and the type of work the employees are doing.

Elias: El precio por la póliza de compensación de trabajo se basa en la nómina anual estimada de empleados y el tipo de trabajo que los empleados hacen.

Dwight: In English, we don’t always say Worker’s Compensation. Sometimes we just say “Worker’s Comp.” In Spanish, we don’t always say

Elias: compensación de trabajador

Dwight: Instead they might say:

Elias: compensación de trabajo

Dwight: And realistically, in the United States, sometimes they might just say

Elias: Workers Comp.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 9: We search the insurance markets for the insurance companies with the best policies and prices for your business needs.

Buscamos en el mercado de seguros las compañías de seguros con las mejores pólizas y precios para las necesidades de su negocio.

https://youtu.be/e7U_4bJIayA

Dwight: Today I am here with Isabel in Chula Vista, CA. Our phrase for the week is: We search the insurance markets for the insurance companies with the best policies and prices for your business needs. Isabel, How would you say that in Spanish?

Isabel: Buscamos en el mercado de seguros las compañías de seguros con las mejores pólizas y precios para las necesidades de su negocio.

Dwight: Perfect, Could you say that again for us, a little slower.

Isabel: Buscamos en el mercado de seguros las compañías de seguros con las mejores pólizas y precios para las necesidades de su negocio.

Dwight: Perfect, Thank you. How do you know which insurance company is the best? You ask an insurance professional to help you find the best policies

Isabel: mejores pólizas

Dwight: and best prices

Isabel: mejores precios

Dwight: for your business needs

Isabel: las necesidades de su negocio.

Dwight: Now I am trying to do only one Insurance phrase per week, but I think we need some extra ones this week. The first one is, "Cheaper is not always better."

Isabel: Lo económico no siempre es el mejor.

Dwight: Sometimes, you get what you pay for.

Isabel: De acuerdo, lo que tu pagas, es lo que tu recibes.

Isabel: Cuidado, si pagas poco, recibes poco.

Watch out. If you pay little, you receive Little.

Dwight: Our phrase for the week is: We search the insurance markets for the insurance companies with the best policies and prices for your business needs.

Isabel: Buscamos en el mercado de seguros las compañías de seguros con las mejores pólizas y precios para las necesidades de su negocio.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 8: If you increase the deductible on your insurance policy, the insurance company may reduce the policy premium. Si aumentas el deducible en tu póliza de seguro, la compañía de seguro puede reducir tu prima de la póliza.

https://youtu.be/388bmmZEkk4

Dwight: Hola Buen Dia. This is Dwight. I am here with Sandra in Chula Vista, California. Our insurance phrase for the week is: If you increase the deductible on your insurance policy, the insurance company may reduce the policy premium.

Sandra: Si aumentas el deducible en tu póliza de seguro, la compañía de seguro puede reducir tu prima de la póliza.

Dwight: Let’s break this down into our key words. We have an Insurance Policy.

Sandra: póliza de seguro

Dwight: We have premium.

Sandra: prima de seguro

Dwight: and deductible

Sandra: deducible

Dwight: The money that the individual or business pays to have an insurance policy is called the policy premium. The deductible is the amount of money that you have to pay before the insurance company will pay the rest of a claim.

So, if you increase the deductible

Sandra: Si aumentas el deducible

Dwight: from $500 to $5,000, the insurance company goes from not having to pay for claims under $500, to not paying for claims under $5,000. Let’s hear our sentence again: If you increase the deductible on your insurance policy, the insurance company may reduce the policy premium.

Sandra: Si aumentas el deducible en tu póliza de seguro, la compañía de seguro puede reducir tu prima de la póliza.

Dwight: The Spanish and English verbs here should sound familiar too.

Sandra: aumenta

Dwight: sounds like the English word augment which means to make greater or increase.

Sandra: reducir

Dwight: sounds like the English word reduce which means to make smaller. All together you have, If you increase the deductible on your insurance policy, the insurance company may reduce the policy premium.

Sandra: Si aumentas el deducible en tu póliza de seguro, la compañía de seguro puede reducir tu prima de la póliza.

Dwight: Of course, what would have if you lower the deductible?

Sandra: reduces el deducible.

Dwight: If you lower the deductible from $5,000 to $500, the insurance company will have to pay more small claims. As a result, the insurance company may increase premiums. So, the opposite of this week’s sentence is also true: If you lower the deductible on your insurance policy, the insurance company may increase policy premiums. Today we learned how to say insurance policy.

Sandra: póliza de seguro

Dwight: Premium:

Sandra: prima de seguro

Dwight: and deductible.

Sandra: y deducible.

Dwight: Altogether, our phrase for the week is: If you increase the deductible on your insurance policy, the insurance company may reduce the policy premium.

Sandra: Si aumentas el deducible en tu póliza de seguro, la compañía de seguro puede reducir tu prima de la póliza.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 7: Insurance Spanish: biggest risks facing your business / mayores riesgos que enfrenta tu negocio

https://youtu.be/XNBrs3Yk7vkttps://youtu.be/XNBrs3Yk7vk

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. My name is Dwight and I am here with Isabel in Chula Vista California and our phrase for the week is: What do you think are the biggest risks facing your business?

Isabel: ¿Cuáles crees que son los mayores riesgos que enfrenta tu negocio?

Dwight: This can be a scary question to ask in a language that is not your first language because there is no telling what the answers could be. You might not have the vocabulary to understand their answer. They may think the biggest risk for their business is an Earthquake

Isabel: terremoto

Dwight: Or a Fire

Isabel: Incendio

Dwight: Or they may think that the biggest risk facing their business is just not having proof of insurance to get on the job and get paid. Proof of Insurance

Isabel: comprobante de aseguranza

Dwight: It’s important to understand that people purchase insurance to protect their business from the risks that their businesses face. If you are an insurance professional helping businesses, you need to understand the biggest risks

Isabel: Los mayores riesgos

Dwight: facing the business

Isabel: que enfrenta su negocio

Dwight: so that you can help the business find the proper coverage.

So, although it would take countless videos for us to come up with all of the possible answers to this question, we need to at least start with our phrase of the week to get us started in the right direction, and that’s asking, “What do you think are the biggest risks facing your business?”

Isabel: ¿Cuáles crees que son los mayores riesgos que enfrenta tu negocio?

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 6: Insurance Spanish: annual revenue before expenses / ingresos anuales antes de gastos

https://youtu.be/Arlud_UVQLM

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action. 

Today I am here with Priscilla in Chula Vista, California. Our phrase for the day is: What is your estimated annual revenue before expenses?

Priscilla: ¿Cuál es el estimado de sus ingresos anuales antes de gastos?

Dwight: This is a common question to ask a business that wants to purchase a liability insurance policy because the cost of the business’s insurance policy is often based on that business’s estimated annual revenue.

Dwight: The estimated annual revenue for a business is the total amount of money that a business expects will come into the business during a one year period. It is important to understand that a business’s annual revenue

Priscilla: ingresos anuales

Dwight: is different than the business’s net income.

Priscilla: Ganancia neta

Dwight: Net income 

Priscilla: Ganancia neta

Dwight: is how much the business makes after it pays for all of its expenses.

For example, let’s say that there is a business that is making and selling new cars. The company may sell the cars for a total of 5 billion dollars in one year. That’s their total annual revenue.

Priscilla: ingresos anuales

Dwight: However, it costs a lot of money to make new cars. The business has to make a factory and pay salaries and, of course, pay for insurance and taxes. Let’s say that the business spends $4 billion dollars in annual expenses.

Priscilla: gastos anuales

Dwight: This means that the business would have $5 billion in annual revenue

Priscilla: ingresos anuales

Dwight: $4 billion in annual expenses

Priscilla: gastos anuales

Dwight: and $1 billion in net income

Priscilla: Ganancia neta

Dwight: Depending on expenses, some businesses might not have any income at all.

So, if you are an insurance company that is going to pay for bodily injury or property damage to others caused by these cars, how are you going to decide how much to charge in insurance premiums to cover the cost of potential claims?

You don’t want to charge based on net income

Priscilla: Ganancia neta

Dwight: Because the company might not have any net income after all of the expenses. You want to charge based on the $5 billion in total annual revenue before expenses

Priscilla: ingresos anuales antes de gastos

Dwight: because this number reflects the total number of cars that are being sold that are out on the roads that could cause bodily injury or property damage to others.

So, our phrase for the week is this: What is your estimated annual revenue before expenses?

Priscilla: ¿Cuál es el estimado de sus ingresos anuales antes de gastos?

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.


Video 5: annual payroll and type of work / nómina al año y tipo de trabajo

https://youtu.be/B08BBcJWj_k

Text:

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action.

Today I am here with Elias in Murrieta, California. Our phrase for the week is: What is your annual payroll and what type of work do your employees do?

Elias: ¿Cuánto paga de nómina al año y que tipo de trabajo hacen sus empleados?

Dwight: This is an important question to know when you are helping businesses with their worker’s compensation insurance because the price for a workers compensation insurance policy is based on the estimated annual payroll, and the type of work the employees are doing. Workers compensation insurance helps pay for employees who might be injured on the job. The greater the risk of someone getting injured on the job, the more you are probably going to have to pay for worker’s compensation insurance.

So, for example, the rate for employees trimming trees

Elias: podando árboles

Dwight: Is going to be more expensive than for an employee doing clerical work

Elias: trabajo administrado

Dwight: This is because there is a greater risk of an employee getting injured while trimming trees, than while doing clerical work. For example, the worker’s compensation rate for tree trimmers could be $30 for every $100 in employee payroll. The worker’s compensation rate for clerical employees could be $1 for every $100 in employee payroll. This means that if an employer has annual employee payroll of $100,000 for tree trimming employees, the employer would pay $30,000 per year for worker’s compensation insurance. If the employer has annual employee payroll of $100,000 for clerical employees, the employer would pay $1,000 per year for worker’s compensation insurance.

Employers also pay more or less depending on the number and severity of worker’s compensation claims that the employer might have had in the past, but that’s more than we need to know for today. For today, we need to be able to ask our phrase for the week which is: What is your annual payroll and what type of work do your employees do?

Elias: ¿Cuánto paga de nómina al año y que tipo de trabajo hacen sus empleados?

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 4: Auto Liability Insurance Policy /

Póliza de Seguro de Responsabilidad Civil para Automóviles 

https://youtu.be/CuE7F2DhpII

Text:

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action.

Today I am here with Mayra in La Quinita, California. Our phrase for the day is:

An auto liability insurance policy provides coverage for bodily injury or property damage that you might cause to others while you are driving.

Mayra: Una póliza de seguro de responsabilidad civil para automóviles brinda cobertura por lesiones corporales o daños a la propiedad que usted podría causar a otras personas mientras conduce.

Dwight: The coverage under a typical auto insurance policy is divided into two categories:

Physical damage coverage

Mayra: Cobertura de daño físico

Dwight: And Liability coverage

Mayra: Cobertura de responsabilidad civil

Dwight: You purchase physical damage coverage if you want coverage for your own car. For example, physical damage coverage could pay you in case your car is damaged by something like fire

Mayra: Incendio

Dwight: Hail

Mayra: Granizo

Dwight: Or even theft

Mayra: Robo

Dwight: Unlike Physical Damage Coverage, Auto liability coverage does not provide coverage for your own insured vehicles. Auto Liability Coverage provides insurance in case you cause bodily injury

Mayra: daños corporales

Dwight: or property damage

Mayra: daño a la propiedad

Dwight: to others. Although the minimum limits vary by state, every state in the United States requires autos that are being driven on their roads to have proof of liability insurance. This means that there is an exception to our previous bonus phrase where we said, “The police don’t care about your insurance policy.”

Ernesto: La policía no se preocupa por su póliza de seguro.

Dwight: Although it is generally true that the police don’t care about the insurance that you have to protect you or your own business, the police do care about you having the required auto liability insurance to protect others.

So, our phrase for the week is: An auto liability insurance policy provides coverage for bodily injury or property damage that you might cause to others while you are driving.

Mayra: Una póliza de seguro de responsabilidad civil para automóviles brinda cobertura por lesiones corporales o daños a la propiedad que usted podría causar a otras personas mientras conduce.

Dwight: And our bonus phrase for this week is:

If you are in an accident, the police may ask for you to show proof that you have an auto liability insurance policy.

Mayra: Si está en un accidente, la policía puede pedirle que demuestre que tiene una póliza de seguro de responsabilidad civil.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.


Translation:

Dwight: Hello. Good day. Mi nombre es Dwight. ¡Bienvenido al Insurance Spanish. Tal vez estudiaste español en la escuela. Tal vez incluso creciste hablando español en casa, pero ahora estás en el mundo de los negocios y necesitas vocabulario de negocios. Ven conmigo mientras vamos al lugar para ver Insurance Spanish en acción.

Hoy estoy aquí con Mayra en La Quinta Vista, California. Nuestra frase para el dia es: Una póliza de seguro de responsabilidad civil para automóviles brinda cobertura por lesiones corporales o daños a la propiedad que usted podría causar a otras personas mientras conduce.

Mayra: An auto liability insurance policy provides coverage for bodily injury or property damage that you might cause to others while you are driving.

Dwight: La cobertura bajo una póliza de seguro de auto típica se divide en dos categorías: Cobertura de daño físico

Mayra: Physical damage coverage

Dwight: Y Cobertura de responsabilidad civil

Mayra: Liability coverage

Dwight: Usted compra cobertura de daños físicos si desea cobertura para su propio automóvil. Por ejemplo, la cobertura de daños físicos podría pagarle en caso de que su automóvil resulte dañado por algo como un incendio

Mayra: Fire

Dwight: Granizo

Mayra: Hail

Dwight: O incluso el robo

Mayra: Theft

Dwight: A diferencia de la cobertura de daños físicos, la cobertura de responsabilidad civil no proporciona cobertura para sus propios vehículos asegurados. La cobertura de responsabilidad civil proporciona seguro en caso de que usted cause daños corporales

Mayra: bodily injury

Dwight: o daño a la propiedad

Mayra: property damage

Dwight: a otros. Aunque los límites mínimos varían según el estado, todos los estados de los Estados Unidos requieren que los autos que se conducen en sus carreteras tengan un comprobante de seguro de responsabilidad civil. Esto significa que hay una excepción a nuestra frase de bono anterior donde dijimos, “La policía no se preocupa por su póliza de seguro.”

Ernesto: The police don’t care about your insurance policy.”

Dwight: Aunque en general es cierto que a la policía no le importa el seguro que tiene para protegerlo a usted o a su propio negocio, a la policía le preocupa que tenga el seguro de responsabilidad civil para proteger a otros. Nuestra frase para la semana es: Una póliza de seguro de responsabilidad civil para automóviles brinda cobertura por lesiones corporales o daños a la propiedad que usted podría causar a otras personas mientras conduce.

Mayra: An auto liability insurance policy provides coverage for bodily injury or property damage that you might cause to others while you are driving.

Dwight: Y nuestra frase extra para esta semana es: Si está en un accidente, la policía puede pedirle que demuestre que tiene una póliza de seguro de responsabilidad civil.

Mayra: If you are in an accident, the police may ask for you to show proof that you have an auto liability insurance policy.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 3: The right insurance for your business needs/

El seguro correcto para tu negocio.

https://youtu.be/nTCsqHI9FJ8

Text:

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action.

Hi, I am here with Sandra in Chula Vista, California, and we are looking at insurance phrases in Spanish. Today’s phrase is: We want to make sure that you have the right insurance for your business.

Sandra: Queremos asegurarnos de que tenga el seguro correcto para tu negocio.

Dwight: Perfect. And let’s think about why that would matter. What if you only have auto insurance.

Sandra: seguro para tu auto

Dwight: and you have an employee who is injured on the job. Your auto insurance is not going to help take care of the injuries to your employees. For your injured employees, you need to have a worker’s compensation policy.

Sandra: compensación para el trabajador

Dwight: But no one says that, right?

Sandra: Correct.

Dwight: So you’re going to say “Worker’s Comp.” So you can see from that example, that you need to make sure that you have the right insurance for your business needs. This leads us to our sentence of the week which is: We want to make sure that you have the right insurance for your business.

Sandra: Queremos asegurarnos de que tenga el seguro correcto para tu negocio.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.

Translation:

Dwight: Hello. Good day. Mi nombre es Dwight. ¡Bienvenido al Insurance Spanish. Tal vez estudiaste español en la escuela. Tal vez incluso creciste hablando español en casa, pero ahora estás en el mundo de los negocios y necesitas vocabulario de negocios. Ven conmigo mientras vamos al lugar para ver Insurance Spanish en acción.

Hola, estoy aquí con Sandra en Chula Vista, California, y estamos examinando frases de seguros en español.

La frase de hoy es: Queremos asegurarnos de que tenga el seguro correcto para tu negocio.

Sandra: We want to make sure that you have the right insurance for your business.

Dwight: Perfecto. Y pensemos por qué eso importaría. Que pasa si solo tienes seguro de auto.

Sandra: auto insurance

Dwight: y usted tiene un empleado que se lesiona en el trabajo. Su seguro de auto no ayudará a cuidar las lesiones de sus empleados. Para sus empleados lesionados, debe tener una póliza de compensación para trabajadores.

Sandra: Workers Compensation

Dwight: Pero nadie dice eso, ¿verdad?

Sandra: Verdad.

Dwight: Así que vas a decir “Worker’s Comp.” Por lo que puede ver en ese ejemplo, que necesita asegurarse de tener el seguro adecuado para sus necesidades comerciales.

Esto nos lleva a nuestra oración de la semana que es: Queremos asegurarnos de que tenga el seguro correcto para tu negocio.

Sandra: We want to make sure that you have the right insurance for your business.

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Video 2: When does your insurance policy expire/renew? ¿Cuándo expira/renueva su póliza de seguro?

https://youtu.be/lOQ9OMHOhTY

Text:

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action.

Today I am here with Isabel in Chula Vista, CA. Our insurance phrase for the week is: When does your insurance policy expire?

Isabel: ¿Cuándo expira su póliza de seguro?

Dwight: You can also ask, “When does your insurance policy renew?”

Isabel: ¿Cuándo se renueva su póliza de seguro?

Dwight: Most insurance policies are annual policies.

Isabel: pólizas anuales

Dwight: This means that they expire

Isabel: Expiran

Dwight: Or need to be renewed, every year. Other ways to say “expire” in Spanish:

Isabel: Expirar, Caducar, Vencer

Dwight: This means that if you want to maintain your insurance policy, you are going to need to renew it every year. So if you want to help someone with their insurance for next year, you’re going to need to ask, “When does your insurance policy expire?”

Isabel: ¿Cuándo expira su póliza de seguro?

Dwight: You can also ask, “When does your insurance policy renew?”

Isabel: ¿Cuándo se renueva su póliza de seguro?

Dwight: And here is a little extra for you. In both English and Spanish, you don’t want to ask someone, “When do you expire?”

Isabel: ¿Cuando te expiras?

Dwight: This is because, in both English and Spanish, the verb to expire can be used both for an insurance policy expiration date.

Isabel: Fecha de expiración [o fecha de vencimiento] de tu póliza de seguro

Dwight: And to expire, can also describe someone breathing their last breath. That’s right, in both English and Spanish, “to expire” can mean “to die”

Isabel: Morir

Dwight: So, if you are asking someone about their insurance, you’re not going to want to ask “when do you expire.”

Isabel: “cuando te expiras.”

Dwight: No, you’re going to want to use one of our phrases for the week. “When does your insurance policy expire?”

Isabel: ¿Cuándo expira su póliza de seguro?

Dwight: When does your insurance policy renew?

Isabel: ¿Cuándo se renueva su póliza de seguro?

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.


Translation:

Dwight: Hello. Good day. Mi nombre es Dwight. ¡Bienvenido al Insurance Spanish. Tal vez estudiaste español en la escuela. Tal vez incluso creciste hablando español en casa, pero ahora estás en el mundo de los negocios y necesitas vocabulario de negocios. Ven conmigo mientras vamos al lugar para ver Insurance Spanish en acción.

Hoy estoy aquí con Isabel en Chula Vista, California. Nuestra frase de seguro para la semana es: ¿Cuándo expira su póliza de seguro?

Isabel: When does your insurance policy expire?

Dwight: También puedes preguntar, “¿Cuándo se renueva su póliza de seguro?”

Isabel: When does your Insurance policy renew?

Dwight: La mayoría de las pólizas de seguro son pólizas anuales.

Isabel: annual policies

Dwight: Esto significa que expiran

Isabel: They expire

Dwight: O necesita ser renovado, cada año.

Otras formas de decir “expirar” en español: Expirar, Caducar, Vencer

Dwight: Esto significa que si desea mantener su póliza de seguro, tendrá que renovarla cada año.

Entonces, si desea ayudar a alguien con su seguro para el próximo año, tendrá que preguntar: "¿Cuándo expira su póliza de seguro?"

Isabel: When does your insurance policy expire?

Dwight: También puedes preguntar,“¿Cuándo se renueva su póliza de seguro?”

Isabel: “When does your insurance policy renew?

Dwight: Y aquí hay un pequeño extra para ti. Tanto en inglés como en español, no quiere preguntar a alguien: "¿Cuándo te expiras?"

Isabel: When do you expire?

Dwight: Esto se debe a que, tanto en inglés como en español, el verbo de expirar se puede usar para la fecha de expiración [o fecha de vencimiento] de la póliza de seguro.

Isabel: Policy expiration date

Dwight: Y expirar también se puede describir a alguien respirando su último aliento. Así es, tanto en inglés como en español, "expirar" puede significar "morir"

Isabel: To die.

Dwight: Por lo tanto, si le está preguntando a alguien sobre su seguro, no va a querer preguntar "¿cuándo te expiras?”

Isabel: When do you expire?

Dwight: No, vas a querer usar una de nuestras frases para la semana. ¿Cuándo expira su póliza de seguro?

Isabel: When does your insurance policy expire?

Dwight: ¿Cuándo se renueva su póliza de seguro?

Isabel: When does your insurance policy renew?

Dwight:¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.

Text:

Dwight: Hola. Buen día. My name is Dwight. Welcome to Insurance Spanish. Maybe you studied Spanish in school. Maybe you even grew up speaking Spanish at home, but now you are in the business world, and you need business vocabulary. Come with me as we go on location to look at Insurance Spanish in action.

Today I am here with Ernesto in Tijuana, Mexico. Our phrase for the day is:

The insurance policy says that this building should have a concrete roof.

How would you say that in Spanish?

Ernesto: La póliza de seguro dice que este edificio debe tener un techo de concreto.

Dwight: This may seem like an odd phrase to need to know in Spanish, but I have a funny reason why this phrase is important to me. I was visiting a business in Tijuana, Mexico, and my friend Ernesto leaned over to me and he said…

Ernesto: La póliza dice que este edificio debe tener un techo de concreto.

Dwight: The problem with this is I thought he said…

Ernesto: La policía dice que este edificio tener techo de concreto.

Ernesto: Póliza

Dwight: is the Spanish word for Policy.

Ernesto: Policía

Dwight: is the Spanish word for police.

Dwight: I didn’t know why the police cared about what roof a building would have, but I was a little worried.

Dwight: And why would an insurance company care about a concrete roof?

Ernesto: un techo de concreto

Dwight: Well, what if the building was a warehouse storing $1 million worth of paper products, and an insurance company has insured those paper products against any risk of loss, including risk of loss by rain. You can imagine that the insurance company is going to want to make sure that that building has a good roof.

Dwight: So, our phrase for the day is:

“The insurance policy says that this building should have a concrete roof.”

Ernesto: La póliza de seguro dice que este edificio debe tener un techo de concreto.

Dwight: And here’s a bonus phrase for today: “The police don’t care about your insurance policy.”

Ernesto: La policía no se preocupa por su póliza de seguro.

Dwight: Do you want to learn more? Check out our other videos. Like us, and subscribe to the channel. In the comments section, let us know what videos you want us to do next.


Translation:

Dwight: Hello. Good day. Mi nombre es Dwight. ¡Bienvenido al Insurance Spanish. Tal vez estudiaste español en la escuela. Tal vez incluso creciste hablando español en casa, pero ahora estás en el mundo de los negocios y necesitas vocabulario de negocios. Ven conmigo mientras vamos al lugar para ver Insurance Spanish en acción.

Hoy estoy aquí con Ernesto en Tijuana, México. Nuestra frase para el día es:

La póliza de seguro dice que este edificio debe tener un techo de concreto.

¿Cómo dirías esto en [inglés]?

Ernesto: The insurance policy says that this building should have a concrete roof.

Dwight: Esto puede parecer una frase extraña para saber en español, pero tengo una razón divertida por la que esta frase es importante para mí. Estaba visitando un negocio en Tijuana, México, y mi amigo Ernesto se inclinó hacia mí y me dijo…

Ernesto: The insurance policy says that this building should have a concrete roof.

Dwight: El problema con esto es que pensé que él dijo ...

Ernesto: The police say that this building should have a concrete roof.

Ernesto: Policy

Dwight: es la palabra en [inglés] para póliza.

Ernesto: Police

Dwight: es la palabra en [inglés] para policía.

Dwight: No sabía por qué a la policía le importaba qué techo tendría un edificio, pero estaba un poco preocupado.

Dwight: ¿Y por qué una compañía de seguros se preocuparía por un techo de concreto?

Ernesto: a concrete roof

Dwight: Bueno, qué pasaría si el edificio fuera un almacén que almacenara productos de papel por un valor de $ 1 millón, y una compañía de seguros ha asegurado esos productos de papel contra cualquier riesgo de pérdida, incluido el riesgo de pérdida por lluvia. Puede imaginar que la compañía de seguros querrá asegurarse de que ese edificio tenga un buen techo.

Entonces, nuestra frase del día es:

"La póliza de seguro dice que este edificio debería tener un techo de concreto".

Ernesto: The insurance policy says that this building should have a concrete roof.

Dwight: Y aquí hay una frase extra para hoy: "La policía no se preocupa por su póliza de seguro.".

Ernesto: The police don’t care about your insurance policy.

Dwight: ¿Quieres aprender más? Checa nuestros otros vídeos. Haz clic en “Like”, y suscríbase al canal. En la sección de comentarios, háganos saber qué videos desea que hagamos a continuación.


Text:

The idea for making insurance Spanish videos started as a personal challenge.

I was working with an insurance agency in San Diego, California that had hired a number of younger insurance professionals. They were right out of college, and excited to be in the business world. They were also interested in Spanish. One had been a Spanish minor in college. Another had studied abroad for a semester in Spain.

As they were learning about the insurance industry, I thought, “What if we learned one insurance phrase per week, in Spanish?” By the end of the year, we would know 52 insurance phrases in Spanish.

Then I thought, if we kept this up for 10 years, we would know more than 500 insurance phrases in Spanish. That’s probably more insurance phrases than they knew in English at that time. And if we did this for 20 years, we would know over 1000 insurance business phrases in Spanish. That’s more than most people know in their own native language. That’s amazing.

After 20 years learning over 1000 insurance phrases in Spanish, these young insurance professionals would be around 42 years old. Not to get too personal, but that’s younger than me. So, for those interested in insurance, the business world, and Spanish, I saw these young insurance professionals as having a choice: By the time they would be my age, they could be a dual threat Spanish English bilingual insurance professional. Or they could lose all of the Spanish they worked so hard learning in high school and college. No matter what your age, we are all facing similar choices for this week, and this year. The choice is yours. You can learn this week’s Insurance Spanish phrase to help you communicate with others in a practical way, or not.

As I started talking with more Spanish speaking insurance professionals in California, I learned that there is another group of people interested in Insurance Spanish phrases: Native Spanish speakers who grew up in the United States speaking Spanish at home, but who never studied and learned Spanish for the business world. So, if you grew up speaking Spanish at home and even tell people that you’re fluent in Spanish, but you’ve ever caught yourself saying something like “los downpayments,” this course is for you.

The weekly phrases will build on each other, and at times, be pretty complex sentences. Don’t panic. It’s just one phrase a week. We can do this. If you have an insurance Spanish phrase that you want to recommend that we record, shoot us a note. And if you are a native Spanish speakers in the insurance industry who would like to volunteer to offer your voice to a phrase, I’d love to hear from you too.

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Translation:

La idea de hacer videos de seguros en español comenzó como un reto personal.

Estaba trabajando con una agencia de seguros en San Diego, California, que había contratado a varios profesionales de seguros más jóvenes. Acababan de salir de la universidad y estaban emocionados de estar en el mundo de los negocios. También les interesaba el español. Uno había obtenido una licenciatura en español en la universidad. Otra había estudiado en el extranjero durante un semestre en España.

A medida que aprendían sobre la industria de seguros, pensé: “¿Qué pasaría si aprendiéramos una frase de seguro por semana, en español?” Al final del año, conoceríamos 52 frases de seguro en español.

Entonces pensé, si lo mantuviéramos durante 10 años, sabríamos más de 500 frases de seguros en español. Probablemente sean más frases seguras de lo que sabían en inglés en ese momento. Y si hiciéramos esto durante 20 años, sabríamos más de 1000 frases de negocios de seguros en español. Eso es más de lo que la mayoría de la gente sabe en su propia lengua materna. Eso es increíble.

Después de 20 años de aprender más de 1000 frases de seguros en español, estos jóvenes profesionales de seguros tendrían alrededor de 42 años. No ser demasiado personal, pero eso es más joven que yo. Entonces, para aquellos interesados en seguros, el mundo de los negocios y el español, vi que estos jóvenes profesionales de seguros tenían una opción: para cuando tengan mi edad, podrían ser un profesional bilingüe de seguros español inglés bilingüe. O podrían perder todo el español que trabajaron tan duro aprendiendo en la escuela secundaria y la universidad. No importa cuál sea su edad, todos nos enfrentamos a elecciones similares para esta semana y este año. La decisión es tuya. Puede aprender la frase Insurance Spanish de esta semana para ayudarlo a comunicarse con otros de una manera práctica, o no.

Cuando comencé a hablar con más profesionales de seguros de habla hispana en California, aprendí que hay otro grupo de personas interesadas en frases de seguros en español: hispanohablantes nativos que crecieron en los Estados Unidos hablando español en casa, pero que nunca estudiaron y aprendieron español para el mundo de los negocios. Entonces, si creciste hablando español en casa e incluso le dices a la gente que hablas español con fluidez, pero alguna vez te has encontrado diciendo algo como “los downpayments,” este curso es para ti.

Las frases semanales se apoyarán unas en otras y, en ocasiones, serán frases bastante complejas. No te asustes. Es solo una frase a la semana. Podemos hacer esto. Si tiene una frase de seguro en español que desea recomendar que grabemos, envíenos una nota. Y si usted es un hispanohablante nativo en la industria de seguros que desea ofrecerse como voluntario para ofrecerle su voz a una frase, también me encantaría saber de usted.

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