作为合格的职业外贸人以下这些保险条款和英文专业术语你需要记清
海运附加险是对基本险的补充和扩大，承保由外来风险所造成的损失。
目前《中国保险条款》中的附加险有一般附加险和特殊附加险两种，分别对应一般外来风险和特殊外来风险。
附加险不能单独投保，可在投保一种基本险的基础上，根据货运需要加保其中的一种或几种。
★一般附加险 ：
一般附加险所承保的是由于一般外来风险所造成的全部或部分损失，包括以下11种险别：
1、偷窃、提货不着险（Theft ,pilferage and Non-Delivery ,简称TPND)。
To cover loss of or damage to the insured goods on the insured value caused by:
（1） Theft and/or pilferage;
（2） Non-Delivery of entire package;
（3） Loss or damage for which the liability of the Shipowner or other party concerned is exempted by the Contract of Carriage.
The Insured shall take delivery in good time and no claim shall be admitted unless survey shall have been applied for within 10 days after taking delivery
in case of theft and/or pilferage and the Certificate of Non-delivery obtained from the party concerned in case of Non-delivery of entire package.
This Company is entitled to any amount recovered from the Shipowner or other parties concerned in respect of such losses up to the amount paid by this Company in respect of the loss.
本保险对保险货物遭受下列损失，按保险价值负责赔偿：
1）偷窃行为所致的损失；
2）整件提货不着；
3）根据运输契约规定船东和其他责任方免除赔偿的部分。
被保险人必须及时提货遇有其第 1）项所列的损失，必须在提货后十日内申请检验；
遇有第2）项损失必须向责任方取得整件提货不着的证明。否则，公保险司不负赔偿责任。
保险公司有权收回被保险人向船东或其他有关责任方面追偿到的任何赔款，但其金额以不超过本公司支付的赔款为限。
2.FRESH WATER &/OR RAIN DAMAGE CLAUSE( 淡水,雨淋险 ,简称FWRD）。
This insurance covers loss of or damage to the insured goods directly caused by rain and/or fresh water, but no claim shall be admitted unless package show external sign of such damage to contents or other appropriate evidence is provided and the Insured take delivery in good time and apply for survey within 10 days after taking delivery.
本保险对被保险货物因直接遭受雨淋或淡水所致的损失负责赔偿。
被保险货物在运输途中直接由于雨淋所致损失,包括雨水、河水激溅，还有冰雪融化给货物造成的损失；
淡水所致损失则包括因船舱内水汽凝聚而成的舱汗，船上淡水舱或淡水管漏水给货物造成的损失。
但包装外部应有雨水或淡水痕迹或有其他适当证明。
被保险人必须及时提货，并在提货后十天内申请检验，否则保险公司不负赔偿责任。
3. SHORTAGE CLAUSE 短量险
To cover risk of shortage occurring during the course of transit due breakage of outer packing, or loss of quantity and actual shortage in weight in the case of bulk cargo, but excluding ullage.
承保被保险货物在运输过程中发生的数量短少及重量短缺的损失。
造成短少、短量损失的原因很多，主要有自然途耗，包装破裂、扫舱不净，装卸散失，衡器不准和被偷等。和实际重量短缺的损失负责赔偿。
但正常的途耗除外。在理赔时必须注意分析判断。
4. 混杂、玷污险（Risk Of Intermixture Contamination）
To cover risk of intermixture and contamination occurring during the course of transit.
承保被保险货物在运输过程中因混进杂质或因与其它物质接触而被玷污所造成的损失。负责赔偿。
5. 渗漏险（Risk Of Leakage）
To cover risk of leakage occurring during the course of transit caused by damage to the container, or deterioration of the insured goods resulting from leakage of liquid in which the insured goods are stored.
承保液体，流质类货物在运输过程中由于容器损坏而引起的渗漏损失，转运原油等油类的管道破裂造成渗漏损失。
以及用液体储装的货物因储液渗漏而发生的腐烂、变质的损失，负责赔偿。
6. 碰损、破碎险（Risk Of Clash And Breakage）
To cover risks of breakage and clash occurring during the course of transit caused by shock, collision or press of the insured goods.
承保被保险货物在运输过程中因震动、受压或搬运不慎而造成货物本身的破裂、折裂、裂损和发生弯曲、凹瘪、脱瓷、脱漆等损失。
由于这类货物在保险期限内因海上自然灾害或运输工具发生意外事故所造成的碰损，破碎损失，已被平安险和水渍险这两种基本险列入其承保范围，
所以这一附加险主要是针对一切外来，如装卸、装卸操作粗鲁或未按操作规程进行作业等所致的碰损、破碎损失承担赔偿责任。
7. TAINT OF ODOUR CLAUSE 串味险
To cover risk of taint of odour of the insured edibles, Chinese medicine, toilet material etc. occurring during the course of transit effected by other goods.
承保被保险货物在运输过程中因受其它物品气味的影响而引起的串味、变味的损失。
易发生串味、变味的多为食品、化妆品原料，饮料、中药材、香料等货物。 负责赔偿。
8. 受潮受热险（Damage Cause By Sweating And Heating）：
To cover risks of sweat, heating and wetting occurring during the course of transit arising from sudden change of temperature or breakdown of ventilation of the carrying vessel.
承保被保险货物在运输途中因气温突然变化或由于船上通风设备失灵致使船舱内水气凝结、发潮或发热所造成的损失负责赔偿。
9.钩损险（Risk Of Hook Damage）。
To cover hook damage to the insured goods occurring during loading or unloading including expenses of reconditioning or change of packing, if any.
承保被保险货物在运输、装卸过程中，因使用手钩、吊钩等钩类工具，而本身直接被钩破的损失。
或外包装被钩坏的损失，对因包装被钩破而进行调换、修补所支付的合理费用也予以承担。
10. 包装破损险（Loss For Damage Caused By breakage Of Packing）
To cover loss or damage occurring during the course of transit caused by breakage of packing resulting from rough handling, loading and unloading including expenses of reconditioning and change of package(s), if any, for the safe prosecution of transportation.
承保被保险货物在运输过程中因搬运或装卸不慎，导致包装破裂所造成的损失。
以及为继续运输安全所需要对包装进行修补或调换所支付的费用，均负责赔偿。
11. 锈损险（Risk Of Rust）
To cover risk of rust occurring during the course of transit.
承保被保险货物在运输过程中因生锈而造成的损失。
被保险货物在投保了平安险和水渍险两种基本险别之后，还可以在此基础上协商加保上述11中一般附加险中的一种或多种。
一般附加险不能单独投保，必须要投保基本险的基础上加保。
但是如果别保险人已经投保了一切险，就不需要再加保一般附加险了。因为一切险的承保责任已经包含了一般附加险的责任范围
