•Two major groups of policies (6 general policies)

1.The group governed by British law

Rewritten in 1982 ,have become the standard for other countries ,known as the institute marine cargoclause, coverage A,B,C

2.The second group is older mostly written by US based insurance companies ,known as all risks, general risks and free of particular average.

•Risks of strikes and civil unrest are not included in the six general policies

Five specific risks thatcan’t covered by any risk policies:

1. •Improper packing
   

2. •Inherent vice

3. •Ordinary leakage

4. •Unseaworthy vessel
   

5. •Nuclear war