It means nothing in the personal insurance field: The buyer of an auto or homeowners policy is going to get his claim paid even if his insurer fails (as many have).

• 尤其在个人险的部份，因为即使是其所投保的保险公司倒闭(事实上这种状况还不少)，汽车险或或房屋险的购买者仍可获得理赔