It uses the binomial distribution to calculate the probability of getting any specific number of accidents.

保险公司就可以用二项分布公式,来计算特定数目事故发生的概率

耶鲁公开课 - 金融市场课程节选

Homes just stay where they are, so we have far fewer accidents, so they don't have to charge as high a premium for the insurance.

而住宅则是固定的,所以发生事故的情况也更少,这就导致保险公司对住房保险收取的保费,不会太高

耶鲁公开课 - 金融市场课程节选

London insurance companies would because the whole concept of insurance is pooling of independent probabilities.

伦敦的保险公司之所以开展火险,是因为整个保险理念,就是将独立事件发生的风险汇聚起来

耶鲁公开课 - 金融市场课程节选

You have to have the insurance company set up with a structure itself that guarantees that they have enough reserves to meet the losses that they might incur.

你得保证保险公司的设立是基于以下前提,即它能保证拥有足够的储存资金,以便用来拟补有可能发生的损失。

耶鲁公开课 - 金融市场课程节选

They're concerned with having too many accidents, which might exhaust their reserves.

保险公司都会担心太多事故同时发生,这样的话保险公司可能就会赔个精光

耶鲁公开课 - 金融市场课程节选