“Sue and labor clause”属于海上保险的一项条款，根据该条款，在发生损失或事故时，被保险人应采取合理措施保护受损财产，避免发生进一步的损失，并且，保险公司应向被保险人赔偿其在保护受损财产时产生的费用，该等费用应按照被保险人和保险公司的利益进行支付，比如，保险金额大于经施救而保全的财产价格的，保险公司应支付全部施救费用。

下面是兆丰产物保险股份有限公司（Chung Kuo Insurance Company, Limited）海上保险单独列出的“Sue and Labor Clause”中的相关规定：

“In case of any imminent or actual loss or misfortune, it shall be lawful and necessary for the Assured, his or their factors, servants and assigns, to sue, labor and travel for, in and about the defense, safeguard, and recovery of the aforesaid subject matter of this insurance, or any part thereof, without prejudice to this insurance; the charges whereof this Company shall bear in proportion to the sum hereby insured. It is expressly declared and agreed that no acts of these Assurers or the Assured in recovering, saving, or preserving the property insured shall be considered as a waiver or acceptance of abandonment.”

（在即将发生或实际发生任何损失或事故时，在不损害本保险的前提下，被保险人、其代理人、员工和受让人尽力保护和恢复前述保险标的物或其任何部分属于合法且必要的行为；本公司应按照与保险金额的一定比例赔偿相关费用。双方明确声明并同意，保险公司或被保险人在恢复、抢救或保护被保险财产时采取的任何行为均不得被视为放弃或接受委付。）

此外，除了作为单独条款列示，“Sue and Labor Clause”还有可能构成被保险人义务（Duty of the Insured）的一部分，即以“被保险人义务条款”列示，比如：

“13.1 In case of any loss or misfortune it is the duty of the Assured and their servants and agents to take such measures as may be reasonable for the purpose of averting or minimising a loss which would be recoverable under this insurance.

13.2 Subject to the provisions below and to Clause 12 the Underwriters will contribute to charges properly and reasonably incurred by the Assured their servants or agents for such measures. General average, salvage charges (except as provided for in Clause 13.5) and collision defence or attack costs are not recoverable under this Clause 13.

13.3 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.”

（13.1 在发生任何损失或事故的情况下，被保险人及其员工和代理人有义务采取合理措施，以避免或尽量减少损失，即便该等损失可在本保险项下获得赔偿。

13.2 在遵守下述规定和第12条规定的前提下，保险人将赔偿被保险人、其员工或代理人因采取该等措施而适当且合理产生的费用。共同海损、救助费用（除第13.5条规定的以外）和碰撞抗辩或诉讼费用无法根据本第13条获得赔偿。

13.3 被保险人或保险人为拯救、保护或恢复保险标的物而采取的措施，不得被视为放弃或接受委付，或以其他方式损害任何一方的权利。）

来源：

https://www.cki.com.tw/Content/files/%E4%BF%9D%E9%9A%AA%E5%95%86%E5%93%81/%E8%B2%A8%E9%81%8B%E4%BF%9D%E9%9A%AA/%E8%B2%A8%E7%89%A9%E9%81%8B%E8%BC%B8%E4%BF%9D%E9%9A%AA/0158-Sue%20and%20Labor%20Clause.pdf；

https://cefor.no/clauses/comparison/itch-vs-nordic-plan/clause-13-duty_assured/