A more thorough explanation:

Definition: FPA stands for Free from Particular Average. This means that the insured can only recover losses if they are total or due to a general average sacrifice. Claims under the Sue and Labour clause are not affected by this stipulation.

For example, if a ship carrying goods is damaged in a storm, the owner can only claim for the total loss of the goods or if there was a general sacrifice made to save the ship. If the damage is only partial and not due to a general sacrifice, the owner cannot claim under FPA.

Another example is if a warehouse storing goods catches fire and only a portion of the goods are damaged. If the damage is not due to a general sacrifice, the owner cannot claim under FPA.