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OCEAN MARINE CARGO CLAUSES I. Scope or Cover This insurance is classified into the following three Conditions-Free From Particular Average (F .P. A.), With Average (F.P.A.) and All Risks. Where the goods insured hereunder sustain loss or damage, the Company shall undertake to indemnify therefor according to the Insured Condition specified in the Policy and the Provisions of these Clauses: 1. Free From Particular Average (F. P. A.) This insurance covers: (1) Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of transit by natural calamities-heavy w