free of particular average

简明释义

单独海损不赔

英英释义

例句

1.A policy free of particular average is often cheaper but comes with higher risk for the insured.

一份免除特定平均损失的保单通常更便宜，但对被保险人来说风险更高。

2.The shipping contract states that the cargo is free of particular average, meaning the owner won't be responsible for minor damages.

运输合同规定货物是免除特定平均损失的，这意味着所有者不需要对小损害负责。

3.In marine insurance, a policy that is free of particular average will not cover partial losses unless specified.

在海洋保险中，免除特定平均损失的保单不会涵盖部分损失，除非另有说明。

4.The insurer confirmed that the shipment is free of particular average, protecting the client from minor claims.

保险公司确认该货物是免除特定平均损失的，保护客户免受小额索赔。

5.When negotiating the insurance terms, ensure that your goods are free of particular average to minimize your liability.

在谈判保险条款时，确保你的货物是免除特定平均损失的，以减少你的责任。

作文

In the realm of maritime insurance, the term free of particular average holds significant importance. It refers to a clause in marine insurance policies that indicates the insured party will not receive compensation for partial losses unless certain conditions are met. This concept is crucial for shipowners and cargo owners alike, as it outlines the extent of coverage provided by their insurance policies. Understanding this term can help individuals make informed decisions when purchasing insurance and managing risks associated with maritime transport.The phrase free of particular average essentially means that the insured is not liable for losses that are less than a specified threshold. For example, if a shipment of goods is damaged during transit but the loss does not exceed a certain percentage of the total value, the insurer may not pay out any claims. This clause is often included to protect insurers from frequent small claims, which can be costly to process and manage. Therefore, it is essential for those involved in shipping and logistics to grasp the implications of this term.One of the primary reasons why the free of particular average clause exists is to encourage shipowners to take better care of their vessels and cargo. Knowing that they will not be compensated for minor damages can motivate them to implement more stringent safety measures and protocols. This, in turn, can lead to a reduction in the overall number of claims filed, benefiting both the insurers and the insured.However, it is important to note that while the free of particular average clause limits the liability of insurers for minor losses, it does not absolve them of responsibility for more significant damages. In cases where the loss exceeds the stipulated threshold, the insurer is obligated to provide compensation. This balance is crucial in maintaining a fair and sustainable insurance market.Moreover, understanding the free of particular average clause can also aid businesses in strategic planning and budgeting. By recognizing the potential risks associated with maritime transport, companies can allocate resources more effectively and develop contingency plans for unforeseen circumstances. This proactive approach can ultimately enhance their operational efficiency and safeguard their financial interests.In conclusion, the term free of particular average is a vital aspect of marine insurance that affects various stakeholders in the shipping industry. By comprehending its meaning and implications, individuals and businesses can better navigate the complexities of maritime transport and insurance. Ultimately, this understanding fosters a more resilient and informed approach to managing risks in an ever-evolving global marketplace.

在海洋保险领域，短语free of particular average具有重要意义。它指的是海洋保险政策中的一个条款，表示被保险方在某些条件未满足的情况下不会因部分损失而获得赔偿。这个概念对船东和货物所有者来说至关重要，因为它明确了保险政策所提供的保障范围。理解这个术语可以帮助个人在购买保险和管理与海洋运输相关的风险时做出明智的决定。短语free of particular average基本上意味着被保险人不对低于特定阈值的损失负责。例如，如果在运输过程中货物受到损坏，但损失没有超过总价值的某个百分比，保险公司可能不会支付任何索赔。这一条款通常被纳入以保护保险公司免受频繁的小额索赔，这些索赔处理和管理起来可能会很昂贵。因此，参与运输和物流的人士必须掌握这一术语的含义。free of particular average条款存在的主要原因之一是为了鼓励船东更好地照顾他们的船只和货物。知道他们不会因轻微损坏而获得赔偿，可以促使他们实施更严格的安全措施和规程。这反过来可以减少提交索赔的整体数量，从而使保险公司和被保险人都受益。然而，重要的是要注意，虽然free of particular average条款限制了保险公司对小额损失的责任，但并不免除他们对更大损失的责任。在损失超过规定阈值的情况下，保险公司有义务提供赔偿。这种平衡对于维持公平和可持续的保险市场至关重要。此外，理解free of particular average条款也可以帮助企业进行战略规划和预算编制。通过认识到海洋运输相关的潜在风险，公司可以更有效地分配资源，并为不可预见的情况制定应急计划。这种主动的方法最终可以提高他们的运营效率，保护他们的财务利益。总之，术语free of particular average是海洋保险的一个重要方面，影响着航运行业的各个利益相关者。通过理解其含义和影响，个人和企业可以更好地应对海洋运输和保险的复杂性。最终，这种理解促进了在不断变化的全球市场中管理风险的更具韧性和知情的方法。