Assunzione del rischio

09:35 Nov 27, 2018
Italian to English translations [PRO]
Bus/Financial - Insurance / Life Insurance
Italian term or phrase: Assunzione del rischio
I am translating the terms and conditions of an Italian life insurance policy and I'm stuck on "assunzione del rischio." I know the term "assumption of risk" as something completely different legally, regarding whether or not an injured party knew the degree of risk involved and was negligent.

Here, we're talking about insuring a person based upon their current health condition, age and other determining factors at the time the policy is stipulated.

What is the correct way of expressing this?

Thank you!
Barbara Giuliano
Local time: 00:11

Summary of answers provided
3 +1underwriting
Giulia D'Ascanio
4acceptance of risk
Alison Kennedy
Summary of reference entries provided
Giovanna Alessandra Meloni

Discussion entries: 1



19 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
acceptance of risk

"assunzione", like "realtà", is one of those Italian terms that always creates translation problems, whether in contracts or articles of incorporation, etc. I normally translate it with "acceptance", although you could use assumption or bearing of risk. As a secondary matter, avoid "stipulate" as a translation of "stipulare". You enter into a contract (agreement) and you take out an insurance policy.
Hope this helps.

Alison Kennedy
Local time: 00:11
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 85
Notes to answerer
Asker: Thank you!

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51 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +1

Insurance underwriting. Insurance underwriters evaluate the risk and exposures of potential clients. They decide how much coverage the client should receive, how much they should pay for it, or whether even to accept the risk and insure them.

UNDERWRITING Operazione mediante la quale gli uffici tecnici di un’impresa provvedono a valutare il rischio, determinarne il premio, emettere successivamente il documento contrattuale o autorizzarne l’emissione da parte dell’agenzia.

Giulia D'Ascanio
Local time: 00:11
Native speaker of: Native in ItalianItalian

Peer comments on this answer (and responses from the answerer)
agree  Giovanna Alessandra Meloni
1 min
  -> grazie :)
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Reference comments

54 mins peer agreement (net): +1

Reference information:
The *underwriting* process is the assessment by the insurer of the risk presented by an applicant before it can enter a pool of insured risks.
Giovanna Alessandra Meloni
Works in field
Native speaker of: Native in ItalianItalian

Peer comments on this reference comment (and responses from the reference poster)
agree  philgoddard: It actually has two meanings, evaluating and accepting risk.
5 hrs
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