事故定义主要在巨灾合约中使用以确定巨灾事件的次数，其目的是为了计算向再保险人摊回的金额。
An event definition is used primarily in cat-related treaties to identify the number of catastrophic events for the purpose of calculating the recovery amount from reinsurers.
再保险人亦是如此，使用除外责任来规避“自动承保能量”（合约），并根据每个风险的实际情况进行评估和定价（临分）。
Reinsurers do the same, as they use exclusion lists to remove "automatic capacity" (treaty) and enable it to judge and price each risk on its own (facultative).
事故限额是非水险比例合约的组成部分，用于规定再保险人对一次事故累积赔付的限额。
Event limits are part of non-marine proportional treaties, to limit the payout by reinsurers in case of accumulated payments related to one event.
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