合同中的保险条款根据买卖合同采用的贸易术语不同而有所不同：
（1）FOB、CFR合同下的保险条款：
“保险由买主办理”
INSURANCE TO BE COVERED BY THE BUYERS．
（2）CIF合同下的保险条款：
“由卖方按发票金额110%投水渍险、战争险、罢工险，按1981／1／1中国人民保险公司海洋运输货物保险条款。”
INSURANCE IS TO BE COVERED BY THE SELLERS FOR LL0% OF THE INVOICE VALUE AGAINST W.A., WAR RISKS AND S.R.C.C. AS PER OCEAN MARINE CARGO C1AUSE OF THE PEOPLE'S INSURANCE COMPANY OF CHINA DATED JAN．1，1981．