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第2条 共同海损条款(General Average Clause)
2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those exclused in Clauses 4,5,6 and 7 or elsewhere in this insurance.
本保险承保根据水上货物合同，管辖法律和惯例理算或确定的共同海损和救助费用，其产生是为了避免任何原因造成的损失，或与此目的有关，但本保险第4，5，6和7 条或其他除外规定除外。
第3条 互有责任碰撞条款(Both to blame Collision Clause)
3 This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment “Both to Blame Collision” Clause as is in respect of a loss recoverable hereunder. In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim.（本保险扩展赔偿被保险人根据水上货运合同中“互有责任碰撞”条款，如下文所示可补偿的损失的比例责任部分。倘若船东根据该条款提出任何索赔，被保险人同意通知保险人，保险人有权自负费用对此种索赔为被保险人进行抗辩。）
本条与（A）条款相同。
第4条 一般除外条款(General Exclusions Clause)
4 In no case shall this insurance cover
在任何情况下均不承保
4.1 loss damage or expense attributable to willful misconduct of the Assured(可归因于被保险人故意赎职的灭失、损害或费用)
4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured(保险标的的通常渗漏通常重量或体积损失、或通常磨损)
4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 “packing” shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)〖保险标的的包装或准备不足或不当引起的损失、损害或费用（为了本第4.3款之目的，“包装”应视为包括集装箱或托盘内的积载，但仅适用于此种积载是在本保险责任开始前进行或是由被保险人或其雇员进行之场合）〗
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