Business insurance types
商保类型

A:Hello, Mr. Smith. How is business?
你好，史密斯先生。最近生意如何？

B:Not so good, I have to say.
我得说，不尽如意。

A:Why, what has happened?
为什么？发生什么事了？

B:Well, the May consignment of canned fruits arrived at the destination rather dented and our users refused to pay for it.
你瞧，五月份装运的罐头水果制品运达目的地时，受挤压凹陷了，用户拒绝付款。

A:That really sounds bad. What's the cause for the damage in your opinion?
那确实太糟糕了。那么你认为货物损坏的原因是什么？

B:Personally, I think the damage was due to careless packing. But my exporter insists that the damage has nothing to do with packing itself and asks me to claim against either the insurance company or the shipping company. So my question to you is whether I can lodge a claim with the insurance company on the damaged goods.
我个人认为损害是由于包装不当造成的，但出口商坚持认为货物的损坏与包装本身没有关系，并要求我向保险公司或货运公司索赔。因此，我想问问您，我能否就损失的货向保险公司提出索赔。

A:Well, your problem relies on what sort of insurance policy you have taken out.
嗯，你的问题症结在于你投保的类型。

B:You see, we have got an "open cover" policy with the insurance company.
我们与保险公司签订的是有预约保险。

A:Well, I don't know I can give you an answer before I know the terms of the policy. Generally speaking, under a CIF term, it covers only "All Risks" and "War Risks", at 110% of the invoice value. Additional specific risks may be covered by additions to the FPA and WPA.
在我了解到你方的投保条款之前，我无法回答你的问题。但一般来说，根据CIF价格条件，所投保的货物发票价值的110%的综合险和战争险。对额外风险，你可以附加投保平安险和水渍险。