1) 平安险本保险负责赔偿：a. 被保险货物在运输途中由于恶劣气候、雷

1) Ping An Insurance <br>This insurance covers: <br>. A cause total loss of the insured cargo bulk cargo because of bad weather, lightning, tsunami, earthquake, or flood in transit or constructive total loss. When the insured person requires a constructive total loss, damaged goods and their rights shall abandon to the insurance company. The insured goods shipped or transported by barge from the ocean-going vessel, and each barge loaded cargo deemed a. Constructive Total Loss refers to an actual total loss of the insured goods have been inevitable, or restore, repair damaged goods and transporting goods to the value of the goods exceeds the cost of scheduled destinations destination. <br>b. conveyance being grounded, stranded, sunk, collisions, collisions with floating ice or other objects as fire or explosion accidents caused by the loss of all or part of the goods. <br>c. In the case of the occurrence of conveyance has been grounded, stranded, sunk, burnt accident, the cargo portion of the loss in the previous heavy weather, lightning, tsunamis and other natural disasters caused by the sea. <br>D. total or partial loss during loading or transport because a number of pieces or whole cargo into the sea causing. <br>e. the insured to take on dangerous goods subject to insurance coverage in the rescue, measures to prevent or reduce damage to cargo and pay a reasonable fee, but does not exceed the amount of insurance of the goods rescued batch limit. <br>f. After the shipwreck of transport, unloading at the port of refuge loss due to special charges in Hong Kong and midway port of refuge because of unloading, warehousing and delivery of goods arising due. <br>g. general average sacrifice, sharing and relief costs. <br>h. Transportation leases have "Ship collision liability" clause, reimbursed by the Cargo ship losses in accordance with the provisions.

1) Peace Insurance<br>This insurance is responsible for compensation:<br>a. The total loss or presumed total loss of the entire shipment of the insured goods in transit due to adverse weather, lightning, tsunamis, earthquakes and floods. When the insured requests to pay the presumed total loss, the damaged goods and their rights are entrusted to the insurance company. If the insured goods are transported or removed from the sea vessel by barge, the goods loaded on each barge may be considered as a lump-and-see. Presumptive total loss means that the actual total loss of the insured goods is unavoidable, or that the cost of recovering, repairing the damaged goods and transporting the goods to the intended destination exceeds the value of the goods at that destination.<br>b. All or part of the loss of goods as a result of stranding, reef impact, sinking, collision, collision with flowing ice or other objects and accidents of fire or explosion of means of transport.<br>c. In the event that the means of transport have been stranded, reef-hit, sunk or burned, the goods have suffered some of the damage caused by natural disasters such as severe weather, lightning and tsunamis at sea.<br>d. Loss of all or part of the cargo at the time of loading or unloading or transshipment as a result of the landing of one or more whole pieces of goods.<br>e. Reasonable costs paid by the Insured for measures to rescue, prevent or reduce the loss of goods subject to the risk of liability under the insured, to a minimum of the amount of insurance for the salvaged goods.<br>f. Losses arising from unloading at the port of asylum and special costs incurred at the port of asylum as a result of unloading, storage and transport of goods at the port of refuge.<br>g. Sacrifice, apportionment and relief costs of common sea damage.<br>h. The contract of carriage has a "ship collision liability" clause under which the ship's loss shall be reimbursed by the shipper.

1) FPA<br>This insurance covers:<br>A. the total loss or constructive total loss of the whole batch of the insured goods caused by the bad weather, lightning, tsunami, earthquake and flood natural disasters during the transportation. When the insured requires to pay for the constructive total loss, the damaged goods and their rights shall be entrusted to the insurance company. If the insured goods are transported to or from the seagoing vessel by barge, the goods loaded on each barge can be regarded as a whole batch. Constructive total loss means that the actual total loss of the insured goods is unavoidable, or the cost of recovering and repairing the damaged goods and transporting the goods to the original destination exceeds the value of the goods at that destination.<br>B. all or part of the loss of the goods caused by stranding, hitting rocks, sinking, collision with each other, collision with drift ice or other objects, fire and explosion accidents.<br>C. In case of stranding, hitting rocks, sinking or burning accidents of the means of transport, the goods suffer partial losses caused by severe weather, lightning, tsunami and other natural disasters at sea before and after that.<br>D. all or part of the loss caused by the landing of one or several whole cargoes at the time of loading, unloading or transshipment.<br>E. the reasonable expenses paid by the insured for rescuing, preventing or reducing the damage to the goods that are in danger within the insured liability, but not exceeding the insured amount of the goods.<br>F. losses caused by unloading at the port of refuge and special expenses incurred by unloading, warehousing and transporting goods at the midway port and the port of refuge after a shipwreck.<br>G. sacrifice, contribution and salvage expenses in general average.<br>H. the contract of carriage has a clause "liability for collision between ships", according to which the cargo shall pay back the loss of the ship.<br>