particular average loss

简明释义

单独海损

英英释义

例句

1.Understanding particular average loss is crucial for businesses that frequently ship goods overseas.

了解particular average loss对经常向海外运输货物的企业至关重要。

2.In marine insurance, the concept of particular average loss refers to a loss that affects only specific items or cargo rather than the entire shipment.

在海洋保险中，particular average loss的概念指的是仅影响特定物品或货物的损失，而不是整个货物。

3.The shipowner was relieved to learn that the damage to the cargo was classified as a particular average loss, meaning only part of the shipment was affected.

船东得知货物的损坏被归类为particular average loss，这意味着只有部分货物受到影响，感到宽慰。

4.When calculating claims, insurers often assess the particular average loss to determine compensation for damaged goods.

在计算索赔时，保险公司通常评估particular average loss以确定受损货物的赔偿。

5.In the event of a particular average loss, each affected party must file a separate claim with their insurer.

在发生particular average loss的情况下，每个受影响方必须向其保险公司单独提交索赔。

作文

In the world of insurance and risk management, understanding various terms and concepts is essential for effective decision-making. One such term that often arises in discussions about maritime insurance is particular average loss. This concept refers to a specific type of loss that occurs to a particular item or property, rather than a general loss affecting a larger group of items. Essentially, it is a partial loss that is not shared among all parties involved in an insurance contract but is instead borne by the owner of the affected item. To illustrate this concept further, consider a scenario where a cargo ship encounters rough seas and loses a portion of its cargo overboard. In this case, the losses incurred by the owner of the lost cargo are classified as a particular average loss because they are unique to that individual item and do not impact the rest of the cargo on the ship. This differentiation is crucial in maritime law and insurance practices, as it determines how losses are compensated and who bears the financial responsibility for them.The significance of particular average loss extends beyond just the definitions; it has practical implications for shipowners, cargo owners, and insurers. When a loss is categorized as a particular average loss, the owner of the lost property must file a claim with their insurer to seek compensation. However, this compensation may only cover the actual value of the lost item, minus any deductibles specified in the insurance policy. Therefore, understanding this term helps stakeholders anticipate the financial consequences of maritime risks and make informed decisions about insurance coverage.Moreover, the concept of particular average loss is vital for establishing fair practices within the maritime industry. By clearly defining what constitutes a particular average loss, insurers can create policies that address these specific situations, ensuring that owners are adequately compensated without unfairly burdening other parties involved in a shipping venture. This clarity fosters trust among stakeholders and promotes a more efficient insurance market.In contrast to particular average loss, there exists another term known as 'general average,' which refers to losses that are shared among all parties involved in a maritime venture. General average losses arise when a ship's crew intentionally sacrifices a portion of the cargo to save the entire vessel from sinking or severe damage. This principle is rooted in the idea of collective responsibility and mutual benefit, contrasting sharply with the individual nature of particular average loss.In conclusion, the term particular average loss plays a crucial role in the maritime insurance landscape. It highlights the importance of understanding the nuances of risk and loss management in order to navigate the complexities of maritime operations effectively. By grasping the meaning and implications of this term, stakeholders can better prepare themselves for potential losses and ensure they are protected through appropriate insurance coverage. Ultimately, a clear understanding of particular average loss enables shipowners and cargo owners to manage their risks more effectively, leading to a more resilient maritime industry.

在保险和风险管理的世界中，理解各种术语和概念对于有效决策至关重要。其中一个常常出现在海上保险讨论中的术语是特定平均损失。这个概念指的是发生在特定物品或财产上的一种特定类型的损失，而不是影响更大群体物品的一般损失。从本质上讲，它是一种部分损失，不是由所有参与保险合同的各方共同承担的，而是由受影响物品的所有者承担。为了进一步说明这一概念，考虑一种情况：一艘货船遭遇恶劣海况，部分货物被抛入海中。在这种情况下，失去货物的所有者所遭受的损失被归类为特定平均损失，因为这些损失是独特于该单个物品，并不影响船上其他货物。这种区分在海事法和保险实践中至关重要，因为它决定了如何赔偿损失以及谁承担这些损失的经济责任。特定平均损失的重要性不仅仅在于定义；它对船东、货物所有者和保险公司有实际的影响。当损失被分类为特定平均损失时，失去财产的所有者必须向其保险公司提出索赔以寻求赔偿。然而，这种赔偿可能仅涵盖丢失物品的实际价值，减去保险政策中规定的任何免赔额。因此，理解这个术语有助于利益相关者预见海事风险的财务后果，并做出关于保险覆盖的明智决定。此外，特定平均损失的概念对建立海事行业的公平实践至关重要。通过清晰地定义什么构成特定平均损失，保险公司可以制定针对这些特定情况的政策，确保所有者在不对其他参与航运项目的各方施加不公平负担的情况下得到充分赔偿。这种清晰性促进了利益相关者之间的信任，并推动了更高效的保险市场。与特定平均损失相对的是另一个术语“共同平均”，它指的是在海事冒险中由所有参与方共同承担的损失。当船员故意牺牲一部分货物以拯救整个船只免于沉没或严重损坏时，就会产生共同平均损失。这一原则根植于集体责任和共同利益的理念，与特定平均损失的个体性质形成鲜明对比。总之，术语特定平均损失在海上保险领域发挥着至关重要的作用。它强调了理解风险和损失管理细微差别的重要性，以有效应对海上运营的复杂性。通过掌握这一术语的含义及其影响，利益相关者能够更好地为潜在损失做好准备，并确保通过适当的保险覆盖得到保护。最终，对特定平均损失的清晰理解使船东和货物所有者能够更有效地管理他们的风险，从而导致更具韧性的海事行业。