谁来投保：取决于贸易条款。CIF条款下卖家负责保险和运费；FOB或CFR条款下保险由买家自己买，千万别省这笔钱，不然货物出事只能自己扛。
保多久：普遍采用“仓至仓”条款，保障从起运地仓库开始，到目的地收货人仓库结束；若货物卸船后60天内未运到仓库，责任也终止。
赔什么：除货物损失，施救费用、救助费用、共同海损分摊等也在赔付范围内，但以保险金额为限。
不赔什么：被保险人故意行为、发货人责任、货物本身品质缺陷或自然损耗、市价跌落、运输延迟等，保险公司不赔。
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