subject to particular average

简明释义

平均分担单独海损依据单独海损

英英释义

例句

1.When shipping valuable items, ensure that your contract specifies if it is subject to particular average.

在运输贵重物品时，确保您的合同说明是否受特定平均损失的限制。

2.Our insurance broker explained that our policy is subject to particular average, so we need to be aware of the deductible amounts.

我们的保险经纪人解释说，我们的保单受特定平均损失的限制，所以我们需要注意自负额的金额。

3.The loss adjuster informed us that the claim was subject to particular average and would only cover a portion of the damage.

损失调整员告知我们，索赔受特定平均损失的限制，只会覆盖部分损失。

4.In maritime law, ships are often subject to particular average when they incur damages during a voyage.

在海事法中，船舶在航行过程中遭受损害时通常受特定平均损失的限制。

5.The cargo insurance policy states that all claims are subject to particular average which means only partial losses will be compensated.

货物保险政策规定，所有索赔都受特定平均损失的限制，这意味着只有部分损失会得到赔偿。

作文

In the world of maritime insurance, the term subject to particular average plays a crucial role in determining the liability of insurers and the coverage provided to ship owners. This phrase refers to a specific type of insurance clause that indicates how losses will be handled when certain conditions are met. When a vessel is subject to particular average, it means that the insurer will only cover partial losses that occur due to specific events, such as damage to the ship or cargo during transit. Unlike total loss situations where the entire value of the cargo or ship is lost, particular average deals with cases where only a portion is affected. Understanding this concept is essential for anyone involved in shipping or logistics, as it directly impacts financial planning and risk management. For instance, if a cargo shipment is damaged due to rough weather, the ship owner must assess whether the damage falls under the subject to particular average clause. If it does, they can file a claim with their insurer for the damages incurred, but only up to the specified limits of the policy. This creates a sense of shared responsibility between the insurer and the insured, as both parties must understand the risks involved in maritime operations.Moreover, the subject to particular average clause is particularly relevant in international trade. Different countries may have varying interpretations of what constitutes 'average' and how it should be calculated. Therefore, businesses engaged in global shipping must be well-versed in the insurance policies they choose and the implications of these clauses. Failure to do so could result in significant financial losses, especially if a large shipment is damaged and the business mistakenly assumes it is fully covered.In practical terms, when a shipment is declared subject to particular average, it often requires the shipper to take extra precautions. For example, they might need to invest in better packaging materials or choose more reliable shipping routes to mitigate potential risks. This proactive approach can help minimize the likelihood of incurring losses that would fall under the particular average clause, ultimately leading to more efficient operations and better financial outcomes.In conclusion, the term subject to particular average is not just a technical insurance jargon; it encapsulates a significant aspect of risk management in maritime activities. By understanding its implications, businesses can better navigate the complexities of shipping insurance and protect themselves from unforeseen losses. The importance of this concept cannot be overstated, as it serves as a reminder of the inherent risks associated with maritime transport and the necessity for adequate coverage and preparation. As the global economy continues to rely heavily on shipping, being informed about terms like subject to particular average will empower businesses to make sound decisions that safeguard their interests and ensure smoother operations.

在海事保险的世界中，术语subject to particular average（特定平均责任）在确定保险公司和船东的责任以及提供的保障方面起着至关重要的作用。这个短语指的是一种特定类型的保险条款，指示在满足某些条件时，损失将如何处理。当一艘船处于subject to particular average状态时，这意味着保险公司只会覆盖由于特定事件（例如运输过程中对船或货物造成的损害）而发生的部分损失。与整个货物或船只完全损失的情况不同，特定平均责任处理的是仅有部分受到影响的情况。 理解这一概念对于任何参与航运或物流的人来说都是至关重要的，因为它直接影响财务规划和风险管理。例如，如果货物运输因恶劣天气受损，船东必须评估损害是否属于subject to particular average条款。如果是，他们可以向保险公司申请赔偿，但仅限于保单规定的金额。这在保险人和被保险人之间创造了一种共同责任感，因为双方必须了解海事操作中涉及的风险。此外，subject to particular average条款在国际贸易中尤为相关。不同国家可能对“平均”的定义及其计算方式有不同的解释。因此，参与全球航运的企业必须熟悉他们选择的保险政策及这些条款的含义。如果不这样做，可能会导致重大财务损失，尤其是在大宗货物受损且企业错误地认为其完全得到保障的情况下。在实际操作中，当一批货物被声明为subject to particular average时，通常需要发货人采取额外的预防措施。例如，他们可能需要投资更好的包装材料或选择更可靠的运输路线，以降低潜在风险。这种积极的做法可以帮助最大程度地减少可能落入特定平均责任条款下的损失，从而最终实现更高效的运营和更好的财务结果。总之，术语subject to particular average不仅仅是技术性的保险行话；它概括了海事活动中风险管理的重要方面。通过理解其影响，企业可以更好地应对航运保险的复杂性，并保护自己免受意外损失。这一概念的重要性不容低估，因为它提醒我们海洋运输固有的风险，以及充分保障和准备的必要性。随着全球经济继续高度依赖航运，了解像subject to particular average这样的术语将使企业能够做出明智的决策，保护自身利益并确保更顺利的运营。