Generally speaking，aviation insurance is much cheaper than marine insurance。

空运保险一般要比海运保险便宜。

Then “all marine risks”means less than “all risks”。

那么，“一切海洋运输货物险”意味着比“一切险”范围小一些。

In the insurance business，the term “average”simply means “loss”in most cases。

在保险业中“average”一词一般是“海损”的意思。

Are there any other clauses in marine policies?

海运险还包括其它条款吗?

Breakage is a particular average，isn’t it?

破碎险属于一种单独海损，对吗?

the risk of breakage is covered by marine insurance，isn’t it?

破碎险是包括在海洋运输货物险之内的，对吗?