不能投保的风险是不能转移给保险公司的，比如公司经营而不盈利的风险，雇用的员工不负责任，提升的管理人员不能胜任等。

• An uninsurable risk is one that cannot be shifted to an insurance company. For example,companies run the risk of not making a profit,hiring irresponsible employees,and promoting incompetent managers.