As there are asymmetric information and principal-agent relationship between the insurance company and insurance agent in ordinaryinsurance, there exists moral hazard and adverse selection problems.
一般保险中，保险公司和保险代理人之间有不对称信息和委托—代理关系，故存在道德风险和逆向选择问题。
2
Any business needs insurance against ordinary risks such as fire, flood, and breakage.
任何企业都需要保险来防备诸如火灾、洪灾和破损等常见风险。
《柯林斯英汉双解大词典》
3
Not all risks lend themselves to being covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered.