There are three types: (a) Institute Cargo Clauses (A) cover all risks’ of loss or damage, subject to the specific exclusion of certain non-fortuitous losses; (b) Institute Cargo Clauses (C) covers loss or damage reasonably attributable to named major casualties (fire, explosion, stranding, sinking, etc.); (c) Institute Cargo Clauses (B) cover is as per C above but adding ‘earthquake, volcanic eruption or lightning’ and ‘wet damage’ from the sea, lake or river but also covering theft, shortage or non-delivery. All three sets cover general average sacrifice or contribution, salvage and sue and labour charges and contain the war exclusion but (A) does not exclude piracy. The