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However, some insurance applicants may find none of the three primary types of marine cargo insurance is good enough for their shipment. The solution lies in extraneous risks which provide people supplemental choices. It falls into two kinds: General Extraneous Risks (一般附加险)and Special Extraneous Risks（特殊附加险）. General Extraneous Risks includes: theft/pilferage, contamination, breakage, sweating and/or heating, taint of odour, rusting, fresh and/or rain water damage, short-delivery and non-delivery, shortage in weight, clashing etc. Special Extraneous Risks includes: war, warlike operations, hostile acts, armed conflicts or piracy capture, seizure, arrest, restraint or detainment etc. Passage Reading Persons involved in a cargo insurance 保险中涉及的单位和个人 underwriter 保险公司 insurer 保险人 insurance company 保险公司 insurance broker 保险经纪人 insurance underwriter 保险承保人 insurance applicant 投保人 insurant, the insured 被保险人，受保人 insurance agent 保险代理人 PICC (Peoples Insurance Company of China) 中国人民保险公司 Additional Expressions Insurance Terms 保险术语 insurance amount 保险金额 insurance certificate 保险凭证 insurance claim 保险索赔 insurance coverage 保险范围 insurance policy 保险单 insurance clause 保险条款 insurance conditions 保险条件 premium rate / insurance rate 保险费率 insurance expense / insurance premium 保险费 insurance coverage; risks covered 保险责任范围 to arrange/ cover/ effect/ take out insurance 投保 underwriters 保险商（指专保水险的保险商）保险承运人 Additional Expressions Types of Cargo Insurance 货运险种类 marine cargo insurance 海运货物保险 overland transportation insurance 陆运保险 air transportation insurance 空运保险 Additional Expressions Primary Risks of Marine Cargo Insurance 海运货物保险基本险别 FPA(Free from Particular Average) 平安险 WPA(With Particular Average) 水渍险 All Risks 一切险 Additional Expressions General Extraneous Risks 一般附加险 risk of theft, pilferage and non-delivery (TRN