{"id":8746,"date":"2025-10-26T14:54:06","date_gmt":"2025-10-26T07:54:06","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8746"},"modified":"2025-10-26T14:54:06","modified_gmt":"2025-10-26T07:54:06","slug":"mengapa-kargo-bernilai-miliaran-wajib-diasuransikan-sejak-di-gudang","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/zh\/mengapa-kargo-bernilai-miliaran-wajib-diasuransikan-sejak-di-gudang\/","title":{"rendered":"\u70ba\u4ec0\u9ebc\u50f9\u503c\u6578\u5341\u5104\u7f8e\u5143\u7684\u8ca8\u7269\u5728\u5009\u5eab\u4e2d\u9700\u8981\u6295\u4fdd\uff1f"},"content":{"rendered":"<p><span style=\"font-weight: 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400;\">\u5009\u5eab\u662f\u9577\u671f\u5b58\u653e\u5927\u91cf\u9ad8\u50f9\u503c\u8ca8\u7269\u7684\u4e3b\u8981\u5834\u6240\u3002\u6f5b\u5728\u98a8\u96aa\u5f80\u5f80\u4e5f\u7531\u6b64\u7522\u751f\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u56e0\u96fb\u8def\u77ed\u8def\u3001\u904e\u71b1\u6216\u6613\u71c3\u7269\u5f15\u8d77\u7684\u706b\u707d\u3002\u5009\u5eab\u706b\u707d\u9020\u6210\u7684\u640d\u5931\u53ef\u80fd\u76f8\u7576\u65bc\u6240\u6709\u5132\u5b58\u8cc7\u7522\u7684\u5168\u90e8\u640d\u5931\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5167\u90e8\u548c\u5916\u90e8\u76dc\u7aca\uff0c\u5c24\u5176\u662f\u96fb\u5b50\u7522\u54c1\u3001\u5de5\u696d\u6a5f\u68b0\u6216\u9ad8\u50f9\u503c\u63a1\u7926\u6750\u6599\u7684\u76dc\u7aca\uff0c\u5c0d\u7269\u6d41\u696d\u7684\u4e2d\u8f49\u5009\u5eab\u69cb\u6210\u4e86\u91cd\u5927\u7684\u76dc\u7aca\u98a8\u96aa\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5305\u88dd\u6216\u88dd\u8f09\u904e\u7a0b\u4e2d\u8655\u7406\u4e0d\u7576\u9020\u6210\u7684\u7269\u7406\u640d\u58de\u3002\u4eba\u70ba\u932f\u8aa4\uff0c\u4f8b\u5982\u6258\u76e4\u653e\u932f\u3001\u5806\u9ad8\u6a5f\u653e\u932f\u6216\u5305\u88dd\u4e0d\u7b26\u5408\u51fa\u53e3\u6a19\u6e96\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u55ae\u6b21\u4e8b\u6545\u7684\u640d\u5931\u53ef\u80fd\u9ad8\u9054\u6578\u5341\u5104\u76e7\u6bd4\u3002\u5982\u679c\u6c92\u6709\u4fdd\u96aa\uff0c\u8ca8\u7269\u7684\u5168\u90e8\u50f9\u503c\u5c07\u7531\u8ca8\u4e3b\u627f\u64d4\uff0c\u800c\u4e14\u6c92\u6709\u8ce0\u511f\u4fdd\u8b49\u3002\u9019\u6642\uff0c\u63d0\u4f9b\u5009\u5230\u5009\u4fdd\u969c\u7684\u8ca8\u7269\u4fdd\u96aa\u5c31\u6d3e\u4e0a\u7528\u5834\u4e86\uff0c\u5b83\u5f9e\u8ca8\u7269\u5165\u5eab\u5230\u9001\u9054\u6536\u8ca8\u4eba\uff0c\u63d0\u4f9b\u5168\u7a0b\u4fdd\u969c\u3002<\/span><\/p>\n<h3><b>\u7406\u89e3\u300c\u5009\u5230\u5009\u8986\u84cb\u300d\u7684\u6982\u5ff5<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u5728\u6d77\u904b\u8ca8\u7269\u4fdd\u96aa\u9818\u57df\uff0c\u300c\u5009\u5230\u5009\u4fdd\u96aa\u300d\u662f\u4e00\u9805\u7d93\u5e38\u88ab\u65b0\u624b\u51fa\u53e3\u5546\u5ffd\u7565\u7684\u91cd\u8981\u689d\u6b3e\u3002\u9019\u985e\u4fdd\u96aa\u63d0\u4f9b\u9580\u5230\u9580\u7684\u4fdd\u969c\uff0c\u5f9e\u539f\u7522\u5730\u5009\u5eab\u958b\u59cb\uff0c\u8cab\u7a7f\u9678\u904b\u548c\u6d77\u904b\u904b\u8f38\uff0c\u6700\u7d42\u5230\u9054\u76ee\u7684\u5730\u5009\u5eab\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u63db\u53e5\u8a71\u8aaa\uff0c\u8a72\u8ca8\u7269\u4fdd\u96aa\u55ae\u6db5\u84cb\u4e86\u8ca8\u7269\u5728\u7269\u6d41\u93c8\u4e2d\u5f9e\u4e00\u500b\u9ede\u79fb\u52d5\u5230\u53e6\u4e00\u500b\u9ede\u6642\u901a\u5e38\u51fa\u73fe\u7684\u98a8\u96aa\u7f3a\u53e3\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f8b\u5982\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u521d\u59cb\u5009\u5eab\uff1a\u8ca8\u7269\u958b\u59cb\u5728\u6cd7\u6c34\u5de5\u5ee0\u5009\u5eab\u5305\u88dd\u3002 \uff08\u53d7\u4fdd\u8b77\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u7576\u5730\u4ea4\u901a\uff1a\u5361\u8eca\u904b\u8f38\u81f3\u4e39\u620e\u9739\u9742\u6e2f\u3002 \uff08\u53d7\u4fdd\u8b77\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6d77\u904b\uff1a\u7d93\u7531\u6d77\u904b\u904b\u5f80\u65b0\u52a0\u5761\uff08\u53d7\u4fdd\u8b77\uff09\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6700\u7d42\u904b\u8f38\uff1a\u8f49\u904b\u81f3\u88d5\u5eca\u6e2f\u76ee\u7684\u5730\u5009\u5eab\u3002 \uff08\u53d7\u4fdd\u8b77\uff09<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 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400;\">\u4fdd\u96aa\u4e0d\u8db3\uff1a\u767c\u751f\u7d22\u8ce0\u6642\uff0c\u6536\u5230\u7684\u8ce0\u511f\u9060\u4f4e\u65bc\u5be6\u969b\u640d\u5931\u50f9\u503c\uff08\u6bd4\u4f8b\u8ce0\u511f\uff09\u3002\u9019\u53ef\u80fd\u6703\u5c0d\u516c\u53f8\u7684\u73fe\u91d1\u6d41\u9020\u6210\u91cd\u5927\u640d\u5bb3\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u8a08\u7b97\u932f\u8aa4\uff1a\u586b\u5beb\u4e0d\u5305\u542b\u7269\u6d41\u6216\u904b\u8cbb\u7684\u50f9\u503c\u4e5f\u6703\u5c0e\u81f4\u7533\u5831\u7684\u8ca8\u7269\u50f9\u503c\u4e0d\u6e96\u78ba\uff0c\u640d\u5bb3\u51fa\u53e3\u5546\u6216\u9032\u53e3\u5546\u7684\u5229\u76ca\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">L&amp;G \u4fdd\u96aa\u7d93\u7d00\u4eba\u81f4\u529b\u65bc\u78ba\u4fdd\u6bcf\u9805\u4fdd\u96aa\u50f9\u503c\u90fd\u7d93\u904e\u5c08\u696d\u8a08\u7b97\u3002\u6191\u85c9\u5168\u9762\u7684\u98a8\u96aa\u5206\u6790\u548c\u5c0d\u7269\u6d41\u884c\u696d\u7684\u6df1\u5165\u4e86\u89e3\uff0cL&amp;G \u78ba\u4fdd\u60a8\u7684\u8ca8\u7269\u4fdd\u96aa\u55ae\u771f\u6b63\u4fdd\u969c\u60a8\u8cc7\u7522\u7684\u5168\u90e8\u50f9\u503c\u3002\u7d93\u7d00\u4eba\u5728\u5e6b\u52a9\u516c\u53f8\u9078\u64c7\u5408\u9069\u7684\u4fdd\u96aa\u985e\u578b\u65b9\u9762\u4e5f\u767c\u63ee\u8457\u81f3\u95dc\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u4f8b\u5982\u91dd\u5c0d\u9ad8\u50f9\u503c\u3001\u654f\u611f\u8ca8\u7269\u7684\u5168\u96aa (ICC A)\u3002<\/span><\/p>\n<h3><b>\u7121\u4fdd\u96aa\u8ca8\u7269\u640d\u5931\u6a21\u64ec\u53ca\u4fdd\u8cbb\u89e3\u6c7a\u65b9\u6848<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u4e00\u5bb6\u516c\u53f8\u5f9e\u96c5\u52a0\u9054\u5411\u5df4\u5398\u5df4\u677f\u904b\u9001\u4e86\u50f9\u503c100\u5104\u5370\u5c3c\u76fe\u7684\u91cd\u578b\u8a2d\u5099\u3002\u5728\u6e2f\u53e3\u5009\u5eab\u88dd\u8ca8\u6642\uff0c\u8a2d\u5099\u88ab\u4e00\u8f1b\u589c\u843d\u7684\u5806\u9ad8\u6a5f\u640d\u58de\u3002\u7531\u65bc\u6c92\u6709\u6db5\u84cb\u5009\u5230\u5009\u7684\u8ca8\u7269\u4fdd\u96aa\uff0c\u6258\u904b\u4eba\u5c07\u627f\u64d4\u6240\u6709\u7dad\u4fee\u6216\u66f4\u63db\u8cbb\u7528\u3002\u5982\u679c\u640d\u58de\u9054\u5230\u8ca8\u7269\u50f9\u503c\u768450%\uff0c\u8a72\u516c\u53f8\u5c07\u9762\u81e8\u9ad8\u905450\u5104\u5370\u5c3c\u76fe\u7684\u640d\u5931\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u76f8\u8f03\u4e4b\u4e0b\uff0c\u8ca8\u7269\u4fdd\u96aa\u8cbb\u50c5\u70ba\u8ca8\u7269\u50f9\u503c\u76840.1%\u81f30.3%\uff0c\u7d04\u54081000\u842c\u81f33000\u842c\u5370\u5c3c\u76fe\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u5c11\u91cf\u8cbb\u7528\u5c31\u80fd\u70ba\u516c\u53f8\u7bc0\u7701\u6578\u5341\u5104\u5370\u5c3c\u76fe\u7684\u8cc7\u7522\u3002 L&amp;G\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8\u80fd\u5920\u5728\u4e0d\u5f71\u97ff\u627f\u4fdd\u7bc4\u570d\u7684\u60c5\u6cc1\u4e0b\uff0c\u5e6b\u52a9\u964d\u4f4e\u9019\u4e9b\u4fdd\u8cbb\u6210\u672c\u3002\u6b63\u56e0\u5982\u6b64\uff0c\u5728\u8ca8\u7269\u96e2\u958b\u5009\u5eab\u4e4b\u524d\uff0c\u70ba\u50f9\u503c\u6578\u5341\u5104\u7684\u8ca8\u7269\u6295\u4fdd\u81f3\u95dc\u91cd\u8981\u3002<\/span><\/p>\n<h4><b>L&amp;G\u4fdd\u96aa\u7d93\u7d00\u4eba\u5982\u4f55\u5feb\u901f\u6e96\u78ba\u5730\u8655\u7406\u7d22\u8ce0<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u8207 L&amp;G \u4fdd\u96aa\u7d93\u7d00\u516c\u53f8\u9019\u6a23\u7684\u91cd\u578b\u8a2d\u5099\u548c\u7269\u6d41\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8\u5408\u4f5c\uff0c\u5176\u4e3b\u8981\u512a\u52e2\u4e4b\u4e00\u662f\u4ed6\u5011\u80fd\u5920\u5feb\u901f\u6709\u6548\u5730\u8655\u7406\u7d22\u8ce0\u3002\u7576\u98a8\u96aa\u51fa\u73fe\u6642\uff0cL&amp;G \u662f\u60a8\u7684\u7b56\u7565\u5925\u4f34\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&amp;G\u5718\u968a\u5728\u8655\u7406\u6d77\u904b\u8ca8\u7269\u4fdd\u96aa\u9818\u57df\u7684\u5927\u984d\u7d22\u8ce0\u65b9\u9762\u64c1\u6709\u8c50\u5bcc\u7684\u7d93\u9a57\uff0c\u5176\u4e2d\u5305\u62ec\u50f9\u503c\u6578\u5341\u5104\u7f8e\u5143\u7684\u9805\u76ee\uff0c\u4f8b\u5982\u91cd\u578b\u8a2d\u5099\u3001\u51fa\u53e3\u5546\u54c1\u548c\u5de5\u5ee0\u96f6\u4ef6\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">L&amp;G \u4fdd\u96aa\u7d93\u7d00\u516c\u53f8\u57f7\u884c\u7684\u7d22\u8ce0\u6d41\u7a0b\u5305\u62ec\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u521d\u59cb\u4e8b\u4ef6\u6aa2\u67e5\uff1a\u4e8b\u4ef6\u767c\u751f\u5f8c\u7acb\u5373\u63d0\u4f9b\u63f4\u52a9\u548c\u73fe\u5834\u6aa2\u67e5\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6cd5\u5f8b\u6587\u4ef6\uff1a\u6536\u96c6\u4e26\u6838\u5be6\u5b8c\u6574\u7684\u63d0\u55ae\u3001\u88dd\u7bb1\u55ae\u3001\u767c\u7968\u548c\u6280\u8853\u640d\u58de\u5831\u544a\u6587\u4ef6\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5c08\u696d\u8ac7\u5224\uff1a\u76f4\u63a5\u8207\u4fdd\u96aa\u516c\u53f8\u8ac7\u5224\uff0c\u78ba\u4fdd\u4ee5\u5be6\u969b\u640d\u5931\u50f9\u503c\u8ce0\u511f\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u652f\u4ed8\u76e3\u63a7\uff1a\u76e3\u63a7\u7d22\u8ce0\u7684\u652f\u4ed8\uff0c\u76f4\u5230\u5ba2\u6236\u6536\u5230\u8cc7\u91d1\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u900f\u904e\u9019\u7a2e\u65b9\u6cd5\uff0c\u5ba2\u6236\u4e0d\u5fc5\u9762\u5c0d\u5197\u9577\u7684\u5b98\u50da\u7a0b\u5e8f\uff0c\u800c\u53ef\u4ee5\u91cd\u65b0\u5c08\u6ce8\u65bc\u696d\u52d9\u6d3b\u52d5\u3002<\/span><\/p>\n<h4><b>\u9078\u64c7\u5341\u5104\u7f8e\u5143\u8ca8\u7269\u4fdd\u96aa\u7684\u6280\u5de7<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u5728\u5bc4\u9001\u8cb4\u91cd\u7269\u54c1\u4e4b\u524d\uff0c\u8acb\u52d9\u5fc5\u6ce8\u610f\u4ee5\u4e0b\u4e8b\u9805\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4f7f\u7528\u5728\u7269\u6d41\u548c\u9032\u51fa\u53e3\u65b9\u9762\u7d93\u9a57\u8c50\u5bcc\u7684\u4fdd\u96aa\u7d93\u7d00\u4eba\uff08\u5357\u5766\u683c\u6717\u7684 L&amp;G \u4fdd\u96aa\u7d93\u7d00\u4eba\uff09\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u78ba\u4fdd\u4fdd\u55ae\u5305\u542b\u5009\u5eab\u5230\u5009\u5eab\u7684\u8986\u84cb\u689d\u6b3e\uff0c\u4ee5\u7372\u5f97\u5c0d\u5009\u5eab\u7684\u5168\u9762\u4fdd\u969c\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5c0d\u65bc\u9ad8\u50f9\u503c\u548c\u654f\u611f\u8ca8\u7269\uff0c\u8acb\u9078\u64c7 ICC \u689d\u6b3e A\uff08\u4e00\u5207\u4fdd\u96aa\uff09\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e0d\u8981\u5fd8\u8a18\u6839\u64da\u5be6\u969b\u4ea4\u8ca8\u6642\u9593\u8868\u7e8c\u8a02\u60a8\u7684\u4fdd\u55ae\uff1b\u5ef6\u8aa4\u53ef\u80fd\u6703\u4f7f\u60a8\u7684\u4fdd\u55ae\u5931\u6548\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e86\u89e3\u4fdd\u55ae\u9664\u5916\u8cac\u4efb\u689d\u6b3e\uff0c\u4ee5\u907f\u514d\u5728\u7d22\u8ce0\u8ca8\u7269\u4fdd\u96aa\u6642\u7522\u751f\u8aa4\u89e3\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u900f\u904e\u95dc\u6ce8\u9019\u4e9b\u8981\u9ede\uff0c\u60a8\u53ef\u4ee5\u78ba\u4fdd\u50f9\u503c\u6578\u5341\u5104\u7f8e\u5143\u7684\u8ca8\u7269\u5728\u5230\u9054\u6536\u8ca8\u4eba\u4e4b\u524d\u5b8c\u5168\u5b89\u5168\uff0c\u6700\u5927\u9650\u5ea6\u5730\u964d\u4f4e\u4e0d\u53ef\u907f\u514d\u7684\u7269\u6d41\u98a8\u96aa\u3002<\/span><\/p>\n<h4><b>\u7d50\u8ad6<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">\u6bcf\u4f4d\u7269\u6d41\u4f01\u696d\u5bb6\u3001\u51fa\u53e3\u5546\u548c\u91cd\u578b\u8a2d\u5099\u6240\u6709\u8005\u90fd\u5fc5\u9808\u610f\u8b58\u5230\uff0c\u9ad8\u50f9\u503c\u8ca8\u7269\u907a\u5931\u6216\u640d\u58de\u7684\u98a8\u96aa\u96a8\u6642\u53ef\u80fd\u767c\u751f\uff0c\u751a\u81f3\u5728\u8239\u8236\u555f\u822a\u4e4b\u524d\u3002\u5728\u5009\u5eab\u6216\u672c\u5730\u904b\u8f38\u81f3\u6e2f\u53e3\u671f\u9593\u767c\u751f\u7684\u640d\u5931\u53ef\u80fd\u9ad8\u9054\u6578\u5341\u5104\u76e7\u6bd4\u3002\u8cfc\u8cb7\u6db5\u84cb\u5009\u5230\u5009\u904b\u8f38\u7684\u8ca8\u7269\u4fdd\u96aa\uff0c\u53ef\u4ee5\u78ba\u4fdd\u6574\u500b\u904b\u8f38\u93c8\u5f97\u5230\u5168\u9762\u4fdd\u969c\uff0c\u7dad\u8b77\u516c\u53f8\u7684\u8ca1\u52d9\u7a69\u5b9a\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9078\u64c7\u5408\u9069\u7684\u4fdd\u55ae\u4e26\u8655\u7406\u8907\u96dc\u7684\u7d22\u8ce0\u9700\u8981\u5c08\u696d\u77e5\u8b58\u3002\u50cf L&amp;G Insurance Broker \u9019\u6a23\u7d93\u9a57\u8c50\u5bcc\u7684\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8\u80fd\u5920\u63d0\u4f9b\u7b56\u7565\u6027\u89e3\u6c7a\u65b9\u6848\u3002 L&amp;G \u4e0d\u50c5\u5e6b\u52a9\u4f01\u696d\u9078\u64c7\u6700\u4f73\u7684\u6d77\u904b\u8ca8\u7269\u4fdd\u96aa\uff0c\u9084\u5728\u767c\u751f\u7d22\u8ce0\u6642\u5145\u7576\u60a8\u7684\u4ee3\u8a00\u4eba\uff0c\u78ba\u4fdd\u6709\u6548\u7684\u8cc7\u7522\u4fdd\u8b77\u4ee5\u53ca\u5feb\u901f\u900f\u660e\u7684\u89e3\u6c7a\u65b9\u6848\u3002 L&amp;G Insurance Broker \u662f\u60a8\u5728\u5357\u5766\u683c\u6717\u4e43\u81f3\u6574\u500b\u5370\u5c3c\u503c\u5f97\u4fe1\u8cf4\u7684\u7269\u6d41\u548c\u5de5\u696d\u98a8\u96aa\u7ba1\u7406\u5408\u4f5c\u5925\u4f34\u3002<\/span><\/p>\n<p><span style=\"font-weight: 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