1982年1月1日协会货物条款（A）
 
  第1条 风险条款
  1 This insurance covers all risks of loss of or damage to the subject-matter insured except as provided in clause 4,5,6 and 7 below
  本保险承保除了下述第4、5、6 和7 条规定的除外责任以外的保险标的的灭失或损害的一切风险。
 
  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 excluded in Clause4,5,6 and 7 or elsewhere in this insurance.
  本保险承保根据货运合同及/或管辖的法律和惯例理算或确定的，为避免或与避免任何原因造成的有关引起共同海损和救助费用的损失，但第4，5，6和7条或本保险其他条文的除外条款除外。
 
  第3条 “互有责任碰撞”条款(Both to Blame Collision Clause)
  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货运合同中“互有责任碰撞”条款的比例责任有关可获赔偿的损失。在船东根据该条款提出任何索赔的情况下，被保险人同意保险人，保险人有权自负费用，为被保险人对此种索赔抗辩。
 
  第4条 一般除外条款(General Exclusions Clause)
  4 In no case shall this insurance cover
  在任何情况下本保险不承保
  4.1 loss damage or expense attributable to wilful misconduct of the Assured.
  可归因于被保险人的故意不端行为造成的灭失、损害或费用
  4.2ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured
  保险标的通常的渗漏、通常重量或体积损失或通常磨损。
  4.3loss 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造成的灭失、损害或费用（在本款的意义上，“包装”应视为包括集装箱或托盘内的积载，但仅限于此种积载是在本保险责任开始之前进行或是由被保险人或其雇员进行这场合。）
  4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured
  保险标的的固有缺陷或性质造成的灭失、损害或费用。
  4.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above).
  迟延直接造成的灭失、损害或费用，即便该迟延是由于某种承保风险造成的（但根据上述第2条支付的费用除外）。
  4.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel.