free from all average; total loss only (TLO)

简明释义

全损险

英英释义

例句

1.The insurance policy was structured to be free from all average; total loss only (TLO), ensuring that the owner would receive full compensation in case of a total loss.

这份保险政策的结构是免除所有平均损失；仅限全损（TLO），确保业主在全损情况下能获得全额赔偿。

2.When negotiating marine cargo insurance, it is essential to clarify whether the terms are free from all average; total loss only (TLO).

在谈判海运货物保险时，澄清条款是否为免除所有平均损失；仅限全损（TLO）是至关重要的。

3.Investors prefer assets that are free from all average; total loss only (TLO) to minimize their risk of partial losses.

投资者更倾向于那些免除所有平均损失；仅限全损（TLO）的资产，以最小化部分损失的风险。

4.In maritime insurance, vessels can be insured as free from all average; total loss only (TLO), which limits the coverage to total loss scenarios.

在海洋保险中，船舶可以以免除所有平均损失；仅限全损（TLO）的方式投保，这将保险范围限制在全损情况下。

5.The policyholder was relieved to find out that their coverage was free from all average; total loss only (TLO), protecting them from any partial claims.

保单持有人松了一口气，发现他们的保险覆盖是免除所有平均损失；仅限全损（TLO），保护他们免受任何部分索赔。

作文

In the world of insurance, particularly in marine and cargo insurance, terms can often be complex and confusing. One such term that is crucial for shipowners and cargo insurers to understand is free from all average; total loss only (TLO). This phrase signifies a specific type of coverage that has significant implications for both the insurer and the insured. To fully grasp its meaning, it is essential to break down its components and explore its practical applications.Firstly, the term 'free from all average' indicates that the policy does not cover partial losses. In other words, if the cargo or vessel suffers damage that does not result in a total loss, the insurer will not compensate the insured for those damages. This is particularly important for businesses that want to minimize their insurance premiums. By opting for a policy that is free from all average; total loss only (TLO), they avoid paying for coverage that may not be necessary for their operations. However, this also means that they take on greater risk, as any minor damages incurred during transit will not be covered.The second part of the phrase, 'total loss only,' further clarifies the type of incidents that are covered under this policy. A total loss occurs when the insured item is completely destroyed or rendered worthless. In the context of marine insurance, this could mean that a ship has sunk or that cargo has been irreparably damaged. Policies that are free from all average; total loss only (TLO) are designed to protect the insured against such catastrophic events. This can provide peace of mind to shipowners and businesses that rely heavily on maritime transport, knowing that they will be compensated if disaster strikes.However, while this type of coverage may seem appealing due to its lower premiums, it is not without its drawbacks. Businesses must carefully consider their risk appetite and the nature of their goods before opting for a free from all average; total loss only (TLO) policy. For instance, companies that deal with high-value or fragile items may find that they require more comprehensive coverage to safeguard against potential losses. Conversely, businesses with robust supply chains and less valuable cargo might benefit from the cost savings associated with a TLO policy.Additionally, understanding the legal implications of free from all average; total loss only (TLO) is vital. In the event of a claim, insurers will scrutinize the circumstances surrounding the loss to determine whether it qualifies as a total loss. This can involve detailed assessments and investigations, which may lead to disputes between the insured and the insurer. Therefore, it is crucial for businesses to maintain thorough documentation and communication throughout the shipping process to ensure that they can substantiate their claims if necessary.In conclusion, the term free from all average; total loss only (TLO) represents a unique approach to marine and cargo insurance that offers both advantages and disadvantages. While it can lead to cost savings for businesses willing to accept higher risks, it also necessitates a careful evaluation of potential vulnerabilities. Ultimately, understanding this term and its implications is essential for anyone involved in maritime commerce, as it directly affects how they manage risk and protect their assets during transit.

在保险界，尤其是在海洋和货物保险中，术语往往复杂且令人困惑。其中一个对船东和货物保险人至关重要的术语是free from all average; total loss only (TLO)。这个短语表示一种特定类型的保险覆盖，这对保险人和被保险人都有重要影响。要完全理解其含义，有必要分解其组成部分并探讨其实际应用。首先，‘free from all average’这一术语表明该保单不涵盖部分损失。换句话说，如果货物或船舶遭受的损害未导致全损，保险人将不会赔偿被保险人的这些损失。这对希望降低保险费的企业尤为重要。通过选择一项free from all average; total loss only (TLO)的保单，他们避免支付可能对其运营没有必要的保障。然而，这也意味着他们承担了更大的风险，因为在运输过程中发生的任何小损坏都不会得到赔偿。短语的第二部分，‘total loss only’，进一步阐明了该保单涵盖的事件类型。全损发生在被保险物品被完全毁坏或变得毫无价值的情况下。在海洋保险的背景下，这可能意味着一艘船已经沉没，或者货物已无法修复。那些free from all average; total loss only (TLO)的保单旨在保护被保险人免受此类灾难性事件的影响。这可以让依赖海运的船东和企业安心，知道如果灾难发生，他们将获得赔偿。然而，虽然这种类型的保险可能因其较低的保费而显得诱人，但它并非没有缺点。企业必须在选择free from all average; total loss only (TLO)保单之前仔细考虑其风险承受能力和货物性质。例如，处理高价值或易碎物品的公司可能会发现，他们需要更全面的保障来防范潜在损失。相反，拥有强大供应链和较少价值货物的企业可能会从TLO保单的成本节约中受益。此外，理解free from all average; total loss only (TLO)的法律含义至关重要。在索赔事件中，保险公司将仔细审查损失的情况，以确定其是否符合全损的标准。这可能涉及详细的评估和调查，可能导致被保险人和保险人之间的争议。因此，企业在整个运输过程中保持详尽的文档和沟通至关重要，以确保在必要时能够支持其索赔。总之，术语free from all average; total loss only (TLO)代表了一种独特的海洋和货物保险方式，提供了优势和劣势。虽然它可以为愿意接受更高风险的企业带来成本节约，但它也需要对潜在脆弱性进行仔细评估。最终，理解这一术语及其含义对于参与海上贸易的任何人来说至关重要，因为它直接影响他们如何管理风险和保护运输过程中的资产。