本文旨在探讨保险工程师与商业消费者，即被保险客户之间的关系。它将涵盖保险业向商业消费者提供的保险范围和工程服务。这包括讨论我们为您提供的产品、如何确定该产品的成本、保险业对客户的要求（不仅仅是保费），以及客户对该行业的期望（除了更多的损失赔偿）。保险工程师的角色是后者不可分割的一部分。 最后，我将以锅炉和机械保险最常被问到的问题作为结束，这是我目前参与的领域。引文:新墨西哥州阿尔伯克基市阿什雷学报第84卷第2部分

The purpose of this paper is to discuss the relationship between the insurance engineer and the commercial consumer, namely the insured client. It will cover the services that the insurance industry offers to the commercial consumer in terms of the coverages and engineering services. This includes discussion of the product we offer you, how the cost for this product is determined, what the insurance industry requires from clients other than just premiums, and what the client can expect from the industry, other than more payments for losses. The role of the insurance engineer is an integral part of the latter. Finally, I will end with the questions most frequently asked about Boiler and Machinery Insurance, the field in which I am currently involved.