Hook Damage

Hook Damage Insurance is a supplementary risk under marine cargo transportation insurance, covering losses such as hook punctures and hook tears caused by improper operation of tools such as hand hooks and lifting hooks during loading, unloading, and handling of cargo. This type of coverage typically cannot be insured independently; it must be added on the basis of a main risk (such as Free from Particular Average, With Particular Average, or All Risks). It is commonly used in the loading and unloading of packaged goods (such as bales of cotton, gunny bags, cartons, etc.), especially when port workers use hand hooks during operations. Notes: When insuring, Hook Damage Insurance must be explicitly added and additional premiums paid; when filing a claim, it is necessary to prove that the loss was caused by hook damage and to retain original loading and unloading records. Differences from other terms: Although All Risks covers a variety of extraneous risks, Hook Damage Insurance as a supplementary risk can be added separately with lower premiums, making it suitable for cargo owners who only need to guard against hook damage risks; while "Risk of Clash and Damage" mainly covers damage to metals, wood, and other goods caused by collision, which differs from Hook Damage Insurance in terms of the cause of loss.