There are three kinds of risks whibsp;bsp;be covered under an insuranbsp;policy.They are as follows：
（1）Basibsp;risks，subsp;as：
Free from Particular Average（F.P.A.）
With Particular Average（W.P.A.）or With Average（W.A.）
All Risks（A.R.）
（2）General additional risks，subsp;as：
Theft Pilferage ＆ Non-Delivery（T.P.N.D.）
Fresh andbror Rain Water Damage（F.R.W.D.）
She Risk
Risk of Intermixture and ination
Leakage Risk
Clash ＆ Breakage Risks
Risk of Odor
Sweating ＆ Heating Damage
Hook Damage Risk
Risk of Rusting
Breakage of Pag Risk
（3）Special additional risks，subsp;as：
Strikes，Riots，Civil otions（S.R.C.C.）
War Risk
Import Duty Risk
On Debsp;Risk
Reje Risk
Failure to Delivery Risk
Aflatox in Risk
Survey in s Risk
Survey at Jetty Risk
The additional risks ot be covered indepely and should go with F.P.A.or W.P.A.and are included in All Risks ce.
There are a great many insuranbsp;panies worldwide.Lloyd’s is a famous anization incorporated in London in 1871.The People’s Insuranbsp;pany of a（PICC），established in 1949，is the sole state-owned insuranbsp;anization in a.It underwrites almost all kinds of insuranbsp;and has agents in all ports and regions throughout the world.Sinbsp;its birth，it has bee a traditional practibsp;of many fn trade corporations to have their imports insured with the PIsuranbsp;on a’s exports may also be covered here if the fn buyers view it advisable to do so.But on no at should the buyers be forbsp;to accept bsp;terms if they intend to do business on bsp;or FOB basis with insuranbsp;at their destination.
There are three kinds of risks whibsp;bsp;be covered under an insuranbsp;policy.They are as follows：