He is a holder of an insurance policy.
In many trials, the heart of the issue was whether what the insured stated in his application, or his policy, constituted a “warranty” or not. 在许多庭审中，问题的核心是：被保险人写在投保申请书中或保险单上的陈述是否构成“保证条款”？
The court responded that “these are the risks that parties to an arbitration clause must be considered to have contemplated at the time they struck their bargain.” 上诉法院的回答是：这些风险乃是仲裁条款当事人肯定在成交当时早已想到了的。
The insurance needs of a business should be handled by a professional who can help analyze what is available and what the business can afford. 企业的保险需要，应由一名能帮助分析“有什么险可以投保而企业有能力投保的又是什么险”的专家来处理。