一、 基本险WPA: 水渍险，是With Particular Average的缩写FPA: 平安险，是Free from Particular Average的缩写AR : 一切险，是All Risks的缩写其中 WPA covers everything FPA covers，and it also covers partial loss caused by bad weather，thundering，earthquake，storms and so on，while FPA only covers total lossof the insured cargo under some limited conditions.（水渍险条款中包括了平安险中所有的保险内容，而且也承担由恶劣天气，雷电，地震，暴风雨等导致的部分损失，而平安险只承担被投保货物在一定条件下的损失）同时“All Risks” doesnt include all the risks，such as Strike，War Risks，（一切险并不包括所有的风险，如罢工险，战争险）二、附加险Fresh and/ or Rain Water Damage 是淡水雨淋险Clash&Breakage Risk 是破损险Sweating & Hearting Risks 是受潮受热险Hook Damage 是吊钩险Rust Risk 是锈损险Breakage of Packing Risk 是包装破碎险TPND即Theft，Pilferage and Non-Delivery 是偷窃提货不着险Shortage Risk 是短量险Leakage Risk 是渗漏险Intermixture&Contaimination Risk 是混杂、玷污险Taint of Odour Risk 是串味险