free from particular average

简明释义

单独海损不赔

英英释义

例句

1.In maritime law, vessels are often considered free from particular average unless otherwise stated.

在海事法中，除非另有说明，否则船舶通常被视为免于特殊平均损失。

2.Our shipment is free from particular average, which means we are not liable for minor damages.

我们的货物是免于特殊平均损失，这意味着我们不对小损坏负责。

3.The cargo was insured as per the terms of the contract, ensuring it was free from particular average.

货物按照合同条款投保，确保其免于特殊平均损失。

4.The insurance policy clearly states that it is free from particular average during transit.

保险政策明确规定，在运输过程中它是免于特殊平均损失的。

5.To avoid disputes, the agreement specifies that all goods are free from particular average.

为了避免争议，协议规定所有货物均为免于特殊平均损失。

作文

In the world of maritime insurance, understanding various terms and concepts is crucial for shipowners, insurers, and cargo owners alike. One such term that often arises in discussions about marine insurance policies is free from particular average. This phrase refers to a specific type of insurance coverage that protects the insured party against certain types of losses or damages that occur during the transportation of goods by sea. To grasp the significance of this term, it is essential to delve into what it means and how it affects the parties involved in maritime trade.The concept of free from particular average implies that the insured is not responsible for partial losses unless they are caused by specific perils outlined in the insurance policy. In simpler terms, if the goods being transported suffer damage due to ordinary risks, the insurer will not cover these losses. For instance, if a shipment of electronics is damaged due to rough seas or handling, the shipowner may not receive compensation if their policy is free from particular average. This type of policy is often less expensive than comprehensive coverage, making it an attractive option for those looking to save on insurance costs.However, this approach can be risky for businesses that rely heavily on their cargo. While free from particular average policies can help minimize insurance premiums, they also leave the insured vulnerable to significant financial losses. Therefore, it is vital for companies to carefully assess their risk tolerance and the value of their cargo before opting for this type of coverage. In some cases, businesses may find it more prudent to invest in a more comprehensive insurance policy that covers a broader range of risks, including partial losses.Moreover, understanding the implications of free from particular average is essential when negotiating contracts and agreements with shipping companies and insurers. Businesses must ensure that they are adequately protected against potential losses and that they understand the limitations of their insurance coverage. This knowledge can help prevent disputes and misunderstandings in the event of a claim.In conclusion, the term free from particular average plays a significant role in the realm of maritime insurance. It signifies a specific type of coverage that excludes partial loss claims under certain conditions. While this can lead to lower insurance premiums, it also poses risks for businesses that may face substantial losses without adequate protection. Therefore, it is crucial for stakeholders in maritime trade to fully understand the implications of this term and make informed decisions regarding their insurance policies. By doing so, they can better safeguard their interests and navigate the complexities of maritime operations with confidence.

在海事保险的世界中，理解各种术语和概念对船东、保险公司和货物所有者至关重要。其中一个常常出现在海洋保险政策讨论中的术语是free from particular average。这个短语指的是一种特定类型的保险覆盖，保护被保险方免受在海上运输货物过程中发生的某些类型损失或损害。要理解这个术语的重要性，有必要深入探讨它的含义以及它如何影响参与海洋贸易的各方。free from particular average的概念意味着被保险人不对部分损失负责，除非这些损失是由保险政策中列出的特定风险造成的。简单来说，如果运输的货物因普通风险而遭受损害，保险公司将不予赔偿。例如，如果一批电子产品因海况恶劣或处理不当而损坏，船东可能不会获得赔偿，前提是他们的保单是free from particular average。这种类型的保单通常比全面保障的保单便宜，因此对那些希望节省保险费用的人来说是一个有吸引力的选择。然而，这种做法对依赖其货物的企业来说可能是有风险的。虽然free from particular average保单可以帮助降低保险费用，但它们也使被保险人面临重大财务损失的风险。因此，公司在选择这种类型的保险覆盖之前，必须仔细评估其风险承受能力和货物的价值。在某些情况下，企业可能发现投资于更全面的保险政策更为明智，该政策涵盖更广泛的风险，包括部分损失。此外，了解free from particular average的含义在与航运公司和保险公司谈判合同时至关重要。企业必须确保自己在潜在损失方面得到了充分保护，并且他们理解保险覆盖的限制。这种知识可以帮助防止索赔时的争议和误解。总之，术语free from particular average在海事保险领域发挥着重要作用。它表示一种特定类型的覆盖，排除了在某些条件下的部分损失索赔。虽然这可能导致较低的保险费用，但也给可能面临重大损失的企业带来了风险。因此，海洋贸易中的利益相关者必须充分理解这一术语的含义，并就其保险政策做出明智的决定。通过这样做，他们可以更好地保护自己的利益，自信地应对海洋运营的复杂性。