free from particular average

简明释义

单独海损不赔

英英释义

例句

1.The cargo insurance policy states that the shipment is free from particular average, meaning it will not cover minor damages.

货物保险政策规定，该货物是不受特定平均损失影响的，这意味着它不会覆盖小的损害。

2.When shipping valuable items, ensure they are free from particular average to avoid unnecessary claims for minor losses.

在运输贵重物品时，确保它们是不受特定平均损失影响的，以避免对小损失提出不必要的索赔。

3.Our marine insurance covers our fleet, ensuring all vessels are free from particular average during transit.

我们的海洋保险覆盖我们的船队，确保所有船只在运输过程中不受特定平均损失影响。

4.Insurance policies that are free from particular average typically have lower premiums but higher deductibles.

那些不受特定平均损失影响的保险政策通常保费较低，但免赔额较高。

5.The contract specifies that the goods are free from particular average, limiting liability for the shipper.

合同规定货物是不受特定平均损失影响的，限制了发货人的责任。

作文

In the world of maritime insurance, the term free from particular average refers to a specific clause that protects the insured party from bearing the loss of partial damage to their cargo. This concept is crucial for ship owners and cargo interests as it defines the extent of coverage provided under a marine insurance policy. To put it simply, when a cargo is insured free from particular average, it means that the insurer will not compensate for minor damages that do not meet a certain threshold. This threshold is typically set at a percentage of the total value of the cargo. For instance, if a shipment worth $100,000 sustains damages amounting to only $1,000, the owner would not receive any compensation because the loss does not exceed the stipulated percentage. Understanding this clause is essential for businesses involved in international trade. It allows them to calculate risks and decide on the type of insurance coverage they require. Many companies opt for policies that include free from particular average clauses to minimize their premiums. However, this choice carries the risk of facing significant financial losses in the event of minor damages. Therefore, businesses must weigh the benefits of lower costs against the potential for unrecovered losses.Moreover, the implications of being free from particular average extend beyond just financial aspects. Companies must also consider their reputation and customer satisfaction. If a business frequently experiences minor damages and cannot claim insurance, it may lead to delays in delivery or loss of product quality, ultimately affecting customer trust. Thus, the decision to choose a policy with this clause should be made with careful consideration of all factors involved.In conclusion, while the term free from particular average might seem technical and confined to the realm of maritime insurance, its impacts resonate throughout the logistics and shipping industries. It is a vital aspect that businesses must understand to navigate the complexities of international trade effectively. By recognizing how this clause affects their operations, companies can make informed decisions that align with their risk management strategies and overall business goals.

在海事保险的世界中，术语free from particular average指的是一种特定条款，它保护被保险方免于承担其货物部分损失的责任。这个概念对船东和货物利益相关者至关重要，因为它定义了海洋保险政策下提供的保障范围。简单来说，当货物被保险为free from particular average时，这意味着保险公司不会赔偿未达到某一阈值的小损害。这个阈值通常设定为货物总价值的一定百分比。例如，如果一批价值100,000美元的货物遭受了1,000美元的损失，所有者将不会获得任何赔偿，因为损失没有超过规定的百分比。理解这一条款对于参与国际贸易的企业至关重要。它使他们能够计算风险并决定所需的保险覆盖类型。许多公司选择包含free from particular average条款的保单，以降低保费。然而，这种选择也带来了在小损害发生时面临重大财务损失的风险。因此，企业必须权衡较低成本的好处与潜在的未收回损失之间的关系。此外，成为free from particular average的影响超出了财务方面。公司还必须考虑其声誉和客户满意度。如果一个企业经常遭遇小损害而无法索赔保险，可能会导致交货延迟或产品质量下降，最终影响客户信任。因此，选择包含此条款的保单的决定应在仔细考虑所有相关因素的基础上作出。总之，虽然术语free from particular average看似技术性且局限于海事保险领域，但其影响在物流和航运行业中回响。它是企业必须理解的一个重要方面，以有效应对国际贸易的复杂性。通过认识到这一条款如何影响其运营，公司可以做出与其风险管理策略和整体商业目标相一致的明智决策。