＜Upper-Intermediate＞ Lesson No.11
Insurance Condition Discussion with Marine Insurance Company / 船舶保険会社との保険条件協議
０．Greetings & Ice-break (2min.)｜挨拶と導入
0-1 Greetings
Let’s practice a short small talk that you can use to greet a business partner and start building a good relationship.
講師との挨拶を兼ねて、ビジネスパートナーと信頼関係を築くための短いスモールトークを練習してみましょう。
[Tips / 会話のヒント]
・Can you hear me clearly?
私の声はクリアに聞こえますか？
・How's your day going so far?
今日はどんな一日でしたか？
・Talk about one small topic (Work, Weather, News, Hometown, Sports event, etc.)
軽い話題について話しましょう（仕事、天気、ニュース、地元、スポーツイベントなど）
0-2 Introduction
In today’s lesson, we’ll learn about the following situation. Have you ever experienced something similar?
本日のレッスンでは以下のようなシチュエーションについて学びます。同様のシチュエーションを経験したことがありますか？
- If you have experience, please tell us what it was like, what was difficult, or what you learned.
経験があれば、どんな内容だったか、難しかったことや学んだことなどを教えて下さい。
- If you don’t have experience, try to imagine yourself handling that situation in English.
What do you think would be challenging?
経験がなければ、英語でその状況に対応しているところを想像してみましょう。どんなことが難しそうですか？
Situation / シチュエーション
Negotiating marine insurance conditions and premiums with overseas insurers for newbuilding and post-delivery coverage, supporting optimal insurance arrangements for shipowners.
新造船の建造期間中および引渡し後の保険について海外保険会社と船主にとって最適な保険条件を協議する場面です。
1. Read (2 min)｜型を学ぶ
Let's read the following key sentences aloud!
下記の文章や単語を順番に音読しましょう！
1-1 Basic phrases
１．Could you elaborate on...（...について詳しく説明していただけますか）
２．I'd like to demonstrate...（...を証明させてください）
３．Let me clarify the situation（状況を明確にさせてください）
４．We've coordinated with...（...と調整済みです）
５．We're committed to providing...（...の提供をお約束します）
６．We're confident this will demonstrate...（これにより...が証明できると確信しております）
７．I appreciate your commitment to...（...へのご尽力に感謝いたします）
1-2 Essential words
１．elaborate（詳しく説明する）
２．demonstrate（証明する）
３．mitigate（軽減する）
４．acknowledge（認識する）
５．clarify（明確にする）
６．coordinate（調整する）
７．committed（尽力している）
８．submit（提出する）
９．comprehensive（包括的な）
１０．reduction（削減）
2. Try (3 min)｜ロールプレイ練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
Situation / シチュエーション（Reference again）
Negotiating marine insurance conditions and premiums with overseas insurers for newbuilding and post-delivery coverage, supporting optimal insurance arrangements for shipowners.
新造船の建造期間中および引渡し後の保険について海外保険会社と船主にとって最適な保険条件を協議する場面です。
👨💼【Teacher / Marine Insurance Underwriter】:
Thank you for meeting with me today. I've completed our risk assessment for your newbuild vessel, and I'd like to discuss the insurance terms and premium we're proposing.
（本日はお時間をいただきありがとうございます。新造船のリスク評価が完了しましたので、保険条件と保険料についてご説明させていただきます。）
🧑🎓【Student / Sales Representative】:
Thank you for your proposal. We appreciate your prompt assessment. Could you elaborate on the key factors that influenced your premium calculation?
（ご提案ありがとうございます。迅速な評価に感謝いております。保険料の計算に影響を与えた主な要因について詳しく説明していただけますか？）
👨💼【Teacher / Marine Insurance Underwriter】:
Certainly. The premium of 180000 USD is based on three factors. First, the vessel's technical specifications. Second, the construction period risk. Third, the operational area after delivery.
（承知しました。18万米ドルの保険料は3つの要因に基づいています。第一に船舶の技術仕様、第二に建造期間中のリスク、第三に引渡し後の運航海域です。）
🧑🎓【Student / Sales Representative】:
I understand your assessment. However, I'd like to demonstrate the vessel's enhanced safety features. We've installed an advanced navigation system and reinforced hull structure that exceed current industry standards. These modifications should mitigate operational risks considerably.
（評価内容は理解しました。しかし、本船の強化された安全機能を証明させてください。業界標準を上回る高度な航海システムと強化された船体構造を設置しています。これらの改良により運航リスクは大幅に軽減されるはずです。）
👨💼【Teacher / Marine Insurance Underwriter】:
Those are valid points. But we're also concerned about the shipyard's track record. They've experienced delays on two recent projects, which increases our construction period risk exposure.
（それは妥当な指摘です。しかし造船所の実績についても懸念しています。最近2件のプロジェクトで遅延が発生しており、建造期間中のリスクが高まります。）
🧑🎓【Student / Sales Representative】:
I acknowledge that concern. Let me clarify the situation. First, those delays were caused by external factors beyond the shipyard's control. Second, we've coordinated with the shipyard to establish stricter monitoring procedures for this project. Third, we're committed to providing monthly progress reports to demonstrate consistent advancement. This should reduce your uncertainty considerably.
（その懸念は認識しております。状況を明確にさせてください。第一に、それらの遅延は造船所の管理外の外的要因によるものでした。第二に、本プロジェクトではより厳格な監視手順を確立するよう造船所と調整済みです。第三に、着実な進捗を証明するため月次報告書の提供をお約束します。これにより不確実性は大幅に軽減されるはずです。）
👨💼【Teacher / Marine Insurance Underwriter】:
Your explanation is helpful. But the premium remains firm unless we can verify these enhanced safety measures. Can you submit detailed technical documentation within 2 weeks?
（説明は参考になりました。しかし、これらの強化された安全対策を検証できない限り、保険料は変わりません。2週間以内に詳細な技術文書を提出できますか？）
🧑🎓【Student / Sales Representative】:
Absolutely. We'll submit comprehensive documentation including certification records, inspection reports, and safety system specifications. We're confident this will demonstrate the vessel's reduced risk profile and support a premium reduction of approximately 8 percent.
（もちろんです。認証記録、検査報告書、安全システム仕様を含む包括的な文書を提出いたします。これにより本船のリスク軽減が証明され、約8パーセントの保険料削減が実現できると確信しております。）
👨💼【Teacher / Marine Insurance Underwriter】:
That sounds reasonable. Once we receive and assess the documentation, we'll recalculate the premium. I appreciate your commitment to transparency and cooperation on this matter.
（それは妥当ですね。文書を受領し評価した後、保険料を再計算いたします。この件における透明性と協力へのご尽力に感謝いたします。）
3. Use (4 min)｜ロールプレイ & 実践（空欄補完）
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
Situation / シチュエーション（Reference again）
Negotiating marine insurance conditions and premiums with overseas insurers for newbuilding and post-delivery coverage, supporting optimal insurance arrangements for shipowners.
新造船の建造期間中および引渡し後の保険について海外保険会社と船主にとって最適な保険条件を協議する場面です。
👨💼【Teacher / Marine Insurance Underwriter】:
Thank you for meeting with me today. I've completed our risk assessment for your newbuild vessel, and I'd like to discuss the insurance terms and premium we're proposing.
🧑🎓【Student / Sales Representative】:
Thank you for your proposal. We appreciate your prompt assessment. Could you ［詳しく説明する］ on the key factors that influenced your premium calculation?
👨💼【Teacher / Marine Insurance Underwriter】:
Certainly. The premium of 180000 USD is based on three factors. First, the vessel's technical specifications. Second, the construction period risk. Third, the operational area after delivery.
🧑🎓【Student / Sales Representative】:
I understand your assessment. However, I'd like to ［証明する］ the vessel's enhanced safety features. We've installed an advanced navigation system and reinforced hull structure that exceed current industry standards. These modifications should ［軽減する］ operational risks considerably.
👨💼【Teacher / Marine Insurance Underwriter】:
Those are valid points. But we're also concerned about the shipyard's track record. They've experienced delays on two recent projects, which increases our construction period risk exposure.
🧑🎓【Student / Sales Representative】:
I ［認識する］ that concern. Let me ［明確にする］ the situation. First, those delays were caused by external factors beyond the shipyard's control. Second, we've ［調整する］d with the shipyard to establish stricter monitoring procedures for this project. Third, we're ［尽力している］ to providing monthly progress reports to demonstrate consistent advancement. This should reduce your uncertainty considerably.
👨💼【Teacher / Marine Insurance Underwriter】:
Your explanation is helpful. But the premium remains firm unless we can verify these enhanced safety measures. Can you submit detailed technical documentation within 2 weeks?
🧑🎓【Student / Sales Representative】:
Absolutely. We'll ［提出する］ ［包括的な］ documentation including certification records, inspection reports, and safety system specifications. We're confident this will demonstrate the vessel's reduced risk profile and support a premium ［削減］ of approximately 8 percent.
👨💼【Teacher / Marine Insurance Underwriter】:
That sounds reasonable. Once we receive and assess the documentation, we'll recalculate the premium. I appreciate your commitment to transparency and cooperation on this matter.
4. Challenge (7 min)｜応用実践
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
*Let's practice this part repeatedly until we can speak it smoothly.
このパートはスムーズにスピーキングできるようになるまで繰り返し練習しましょう。
Situation / シチュエーション（Reference again）
Negotiating marine insurance conditions and premiums with overseas insurers for newbuilding and post-delivery coverage, supporting optimal insurance arrangements for shipowners.
新造船の建造期間中および引渡し後の保険について海外保険会社と船主にとって最適な保険条件を協議する場面です。
👨💼【Teacher / Marine Insurance Underwriter】:
Thank you for meeting with me today. I've completed our risk assessment for your newbuild vessel, and I'd like to discuss the insurance terms and premium we're proposing.
🧑🎓【Student / Sales Representative】:
Thank you for your proposal. We appreciate your prompt assessment. ［保険料の計算に影響を与えた主な要因について詳しく説明していただけますか？］
👨💼【Teacher / Marine Insurance Underwriter】:
Certainly. The premium of 180000 USD is based on three factors. First, the vessel's technical specifications. Second, the construction period risk. Third, the operational area after delivery.
🧑🎓【Student / Sales Representative】:
I understand your assessment. However, ［本船の強化された安全機能を証明させてください。］ We've installed an advanced navigation system and reinforced hull structure that exceed current industry standards. These modifications should mitigate operational risks considerably.
👨💼【Teacher / Marine Insurance Underwriter】:
Those are valid points. But we're also concerned about the shipyard's track record. They've experienced delays on two recent projects, which increases our construction period risk exposure.
🧑🎓【Student / Sales Representative】:
I acknowledge that concern. ［状況を明確にさせてください。］ First, those delays were caused by external factors beyond the shipyard's control. Second, ［本プロジェクトではより厳格な監視手順を確立するよう造船所と調整済みです。］ Third, we're committed to providing monthly progress reports to demonstrate consistent advancement. This should reduce your uncertainty considerably.
👨💼【Teacher / Marine Insurance Underwriter】:
Your explanation is helpful. But the premium remains firm unless we can verify these enhanced safety measures. Can you submit detailed technical documentation within 2 weeks?
🧑🎓【Student / Sales Representative】:
Absolutely. We'll submit comprehensive documentation including certification records, inspection reports, and safety system specifications. We're confident this will demonstrate the vessel's reduced risk profile and support a premium reduction of approximately 8 percent.
👨💼【Teacher / Marine Insurance Underwriter】:
That sounds reasonable. Once we receive and assess the documentation, we'll recalculate the premium. I appreciate your commitment to transparency and cooperation on this matter.
\ If you have some extra capacity, give it a try（余力があればやってみましょう）/
5. Real-world application (5 min)｜実務応用
Let's speak freely with the phrases and flow we learned today. If you can, imagine your real job—it makes practice more effective.
本日学習した単語やフレーズ、会話の流れを思い出しながら、自由に話してみましょう。可能であれば、自身の実務を想像しながら話すと効果的です。
Situation / シチュエーション
A marine insurance underwriter has completed the risk assessment for your newbuild vessel and is proposing insurance terms and premium based on technical specifications and construction risks.
You are the sales representative responsible for demonstrating the vessel's safety features and negotiating favorable insurance conditions for the shipowner.
海上保険会社が新造船のリスク評価を完了し、技術仕様と建造リスクに基づいて保険条件と保険料を提案しています。
あなたは船舶の安全性を証明し、船主にとって有利な保険条件を交渉する責任を持つ営業担当者です。
👨💼【Teacher / Marine Insurance Underwriter】:
I'd like to hear your perspective on how the vessel's safety features justify a lower premium. What specific evidence can you provide?
（保険料引き下げを正当化する船舶の安全機能について、あなたの見解をお聞きしたいです。どのような具体的な証拠を提供できますか？）
🧑🎓【Student / Your Role】:
(Free Speaking based on today's lesson)
Hints / ヒント
１． Demonstrate enhanced safety systems
２． Clarify risk mitigation measures
３． Coordinate monitoring procedures
４． Submit comprehensive documentation
※This is not a role-play. Please speak until you finish your thoughts.
このパートはロールプレイ形式ではありません。最後まで通して話してみましょう。
6. Wrap-up (2 min) ｜レッスンの振り返り
Let's review today's lesson with your teacher!
今日のレッスンについて講師と振り返ってみましょう！
6-1 Comments from student
・Good points / 良かったところ・上手くできたところ
・Things to work on / 今後強化したいところ
6-2 Feedback from teacher
・Good points / 良かった点
・Things to work on / 今後の強化ポイント
・What to review / 復習ポイント
*6-3 Questions from student (if any)
Japanese translation（日本語訳）
1. Read (2min)（型を学ぶ）｜基本フレーズ
2. Try (4min)（ロールプレイ練習）｜型を使った練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
3. Use (7min)｜応用
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
4. Challenge (7min)｜実践
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
5. Wrap-up (3min) – レッスンの振り返り
"Let’s review today’s lesson with your teacher!”
「今日のレッスンについて講師と振り返ってみましょう！」
5-1. Comments from Student
- Good points / 良かったところ・上手くできたところ
- Things to work on / 今後強化したいところ
5-2. Feedback from Teacher
- Good points / 良かった点
- Things to work on / 今後の強化ポイント
- What to review / 復習ポイント
5-3. Question from Students (If any)