一般來說，保險條款涉及的內容有保險金額、投保險別、保險費、保險單證和保險適用條款等。在報價單、合同中撰寫保險條款，或者在和客戶進行保險條款磋商時，業務員應該注意區分保險責任在哪一方。在以 f 組、e組和c組中的 cfr (cost and freight，成本加運費)和cpt (carriage paid to,運費付至)成交的合同中，保險條款可撰寫為“保險由客戶自理”(insurance: to be covered by the buyer)。在以 d 組貿易術語成交的合同中，保險條款可撰寫為“保險由賣家自理。”(insurance: to be covered by the seller)。 在以cif (cost insurance and freight,成本加保險費加運費)或 cip(carriage and insurance paidt，運費加保險付至)成交的合同中，若運輸方式為海洋運輸，則保險條款可撰寫為“由賣家按發票金額的 110%保x x x險，以中國人民保險公司x年x月x日的有關海洋運輸貨物保險條款為準。”(to be covered by the seler for 110% of invoice value against xxx risk and xxx risk as per the relevant ocean marine cargo clauses of the people's insurance company of china 值得注意的是，即使由賣家投保，也屬于賣家代理買家投保，保險費的負拍方實際為買家。
(三)常用的國際貨物運輸保險條款的撰寫
常用的表述如下。
( 1) please cover us on the goods detailed below
(2) please hold us covered for the cargo listed on the attached sheet.
(3) please effect insurance for my account of usd 55000 on my goods against all risks from hong kong to this city and at the lowest premium possible not exceeding 10%
(4) we usually effect insurance against all risks and war risk for the invoice value plus 10% for the goods sold on cif basis.
( 5) we will effect insurance against all risks, as requested, charging premium and freight to the consignees.
(6) the cargo is to be insured warehouse to warehouse against all risks.


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