投保时机：需在货物起运前完成投保，避免漏保导致风险缺口。
保险金额：通常按货物发票金额的 110% 投保，额外 10% 用于覆盖预期利润和费用。
投保资料：需提供货物名称、数量、价值、运输路线、船名航次、起运及目的地等信息。
免责条款：需关注保险公司不承保的情况，如货物自身缺陷、包装不善、战争险未投保时的战争损失等。
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