在海运保险文件中，FGA存在两种情况：

1. foreign general average国外共同海损

指在作为船货目的港的外国港口的海损理算。

2. free from general average

（海上保险中指）共同海损免赔

其中，general average/G.A.共同海损，指：

为使同一航程中的船舶、货物及人员免受正在发生的共同危险之侵袭，即为共同的安全和利益而有意采取合理措施人为地对一部分船货作出的特殊牺牲，或是由一方或多方当事人为保护各方的总体利益而支出的特殊费用，该特殊牺牲或费用由遭受共同危险的受益人分摊。共同海损成立的要素是：海上危险必须是共同的、真实的；共同海损的措施必须是有意的、合理的、有效的；共同海损的损失必须是特殊的、异常的、共损措施直接造成的。

General Average is a principle of maritime law that essentially establishes that all sea cargo stakeholders (owner, shipper, etc.) evenly share any damage or losses that may occur as a result of voluntary sacrifice of part of the vessel or cargo to save the whole in an emergency.

而FPA则只有一种情况：

free from particular average/FPA平安险；单独海损不赔

平安险是海上保险的基本险别之一，与水渍险和一切险相比，保险人的责任范围最小。其英文意思「单独海损不赔」并非指对于所有的单独海损均不予赔偿，而是仅指对因自然灾害所造成的单独海损不赔，对于因意外事故造成的单独海损仍应赔偿。此外，如果在运输过程中运输工具曾发生过搁浅、触礁、沉没等意外事故，则不论在事故发生之前或之后由于自然灾害所造成的单独海损，保险人均负有赔偿责任。

Free of Particular Average (FPA) is an insurance contract clause that eliminates an insurer’s liability for partial losses. FPA clauses are most commonly found in marine insurance policies.

In shipping parlance, the word “average” is associated with losses, and “general average” refers to a loss associated with cargo or the ship itself. The expense of protecting the ship and its cargo is typically shared between the shipowner, the cargo owner, and other interested parties on a pro rata basis.

以下为相关双语示例，供参考：

In some cases, insurance companies are liable for partial losses. The conditions in which FPA clauses no longer apply vary. There are two types of conditions generally used, American and English. In American FPA provisions, the insurer’s liability for partial cargo loss is eliminated unless stranding, sinking, fire, or collision caused the loss. In English FPA provisions, the insurer’s liability for partial cargo loss is eliminated except in the case that a stranding, sinking, fire, or collision event occurred.

在某些情况下，保险公司要对部分损失负责。平安险不再适用的条件各不相同。通常使用的条件有两类：美国和英国的条件。美国的平安险条款规定，保险人对于部分货物损失的责任可以被免除，但损失若是由搁浅、沉没、火灾或碰撞造成的则除外。英国的平安险条款规定，保险人对于部分货物损失的责任可以被免除，除非发生了搁浅、沉没、火灾或碰撞事件。