"Basic insurance" includes: FPA (FREE FROM PARTICULAR AVERAGE, refers to F.P.A); WPA (WITHPARTICULARAVERAGE, refers to W.P.A); All Risks (ALL RISKS, refers to A.R.).

(1) FPA

FPA is the common name and its English meaning is: free of particular average. Its responsibility is as follows:

① The total loss or constructive total loss of the insured goods caused by the inclement weather, lightning, tsunamis, earthquakes, floods and other natural disasters in transit. When transport to or away from the seagoing barges, each barge's cargo is viewed as a whole batch.

② The partial loss of the insured goods caused by the conveyance’s stranding, sinking, collision with floating ice or other objects and fire, explosions and other accidents.

③ The partial loss of the insured goods caused by the conveyance’s stranding and sinking and other contingency which is no matter it happens before or after the goods’ being stranded, sunk and other accidents.

④ The total loss and partial loss of the insured goods caused by one or several pieces dropping in the sea in the transshipment.

⑤ The total loss and partial loss of the insured goods caused by the conveyance hitting by natural disasters or accidents when the unloading in the port of refuge.

⑥ The special charges caused by the unloading, loading, storage and delivery of goods because of the conveyance’s suffering of the natural disasters and accidents, which needs the stop in the middle harbor or the port of refuge.

⑦The sacrifice, sharing costs and salvage costs caused by the occurrence of the general average.

⑧The contract of carriage has the"Ship collision liability" clause and the cargo interest repay the loss of the ship according to this clause.

(2) WPA

WPA is the common name and its English meaning is: in charge ofparticular average loss. Its responsibility including the partial loss of the insured goods caused by the inclement weather, lightning, tsunamis, earthquakes, floods and other natural disasters and every responsibility of the Share the risks. Although WPA is responsible for the particular average, it takes no responsibilities for the partial loss of the rust damage and breakage.

It is particular need to note that the FPA and WPA is only responsible for a variety of losses caused by seawater. The loss of the insured goods because of the rain, snow melt and other freshwater is not included.

(3) All Risks

The responsibility of all risks includes every responsibility of FPA and WPA and also the total and partial loss of the insured goods because of general external cause in transit. All insurance is the risk with the biggest range among the three basic risks. But it does not responsible for all the risks. It is only responsible for the WPA and risks of the general external causes, but for the inherent defects of the goods, natural losses and the risks of the special external causes( such as war and strike), it takes no responsibilities.

The insured can choose one of the above basic insurance.

Second, the additional risks

"Additional insurance" is divided into: general additional risks and special additional risks.

（1）There are 11 kinds of general additional insurance: thief, risk of non-delivery, fresh water and risk of shortage in weight, risk of intermixture & contamination,leakage risk,risk of breakage,risk of odor,risk of sweating and heating,risk of hook damage,risk of packing breakage and risk of rust.

（2）Special additional risks can be divided into nine kinds: failure to deliver risk, risk of contingent import duty, on deck risk, rejection risk, aflatoxin risk, sellers contingent risk, inventory fire risk of exporting goods to Hong Kong(including Kowloon) or Macau, strike insurance and war risk.

（3）In China's international cargo insurance business, you should particularly pay attention that the additional risk can not insure alone. The applicant or the insured can only add the additional risk when he insure the basic risks and also known as the main risks.