In Insurance. Is gen- eral, particular, or petty. GENERAL AVERAGE (also called gross) con- sists of expense purposely incurred, sacri- fice made, or damage sustained for the com- mon safety of the vessel, freight, and cargo, or the two of them, at risk, and is to be contributed for by the several interests in the proportion of their respective values exposed to the common danger, and ulti- mately surviving, including the amount of expense, sacrifice, or damage so incurred in the contributory value; 2 Phill. Ins. § 1269 et seq.; and see Code de Com. tit. xi.; Aluzet, Trait. des Av. cxx.; 2 Curt. C. C. 59;9 Cush. 415; 73 Pa. 98; 9 Wall. 203; Bailey, Gen. Av.; 2 Pars. Mar. Law, ch. xi.; Stevens, Av.; Benecke, Av.; Pothier, Av.; Lex Rhodia, Dig. 14. 2. 1. General average is recoverable for loss by jettison; 19 C. B. N. 8. 563; for ship's stores used to fire the donkey-engine which worked the pumps; 7 L. R. Exch. 39; 2 Q. B. D. 91, 295; and for damage to a cargo caused by pour- ing on water to extinguish a fire; 8 Q. B.D. 653; 46 Fed. Rep. 297; 53 id. 270; 59 1.161. Indemnity for general average loss is usually stipulated for in policies against the risks in navigation, subject, however, to di- vers modifications and conditions; 2 Phill. Ins. §§ 1275, 1279, 1408, 1409. Under mari- time policies in the ordinary form, under- writers are liable for the contributions made by the insured subject for loss by jettison of cargo, sacrifice of cables, anchors, sails, spars, and boats, expense of temporary repairs, voluntary stranding, compromise with pirates, delay for the purpose of refit- ting; 2 Phill. Ins. c. xv. sect. ii.; 1 Pars. Ship. & Adm. 351. The general rule for the adjustment of general average is, that the amount made good in respect of prop- erty sacrificed is brought in as contributing rateably with the property preserved so that the former pays the same proportion of gen- eral average as the latter; Loundes, Gen. Αν. p. 291. Insurance is not a part of the owner's in- terest in a ship, and in case of general aver- age, for the purpose of increasing the fund to be distributed; the insurance received by him should not be added to the value of what was saved; 52 Fed. Rep. 320; 118 U. S. 468; id. 507, 520. Average particular (also called partial loss) is a loss on the ship, cargo, or freight, to be borne by the owner of the subject on which it happens, and is so called in dis- tinction from general average; and, if not total, it is also called a partial loss; 2 Phill. Ins. c. xvi.; Stevens, pt. 1, c. 2; Arnould, Mar. Ins. 953; Code de Com. 1. 2, t. 11, a. 403; Pothier, Ass. 115; Benecke & S. Av., Phill. ed. 341. It is insured against in marine policies in the usual forms on ship, cargo, or freight, when the action of peril is extraordinary, and the damage is not mere wear or tear ; and, on the ship, covers loss by sails split or blown away, masts sprung, cables parted, spars carried away, planks started, change of shape by strain, loss of boat, breaking of sheathing or upper works or timbers, dam- age by lightning or fire, by collision or stranding, or in defence against pirates or enemies, or by hostile or piratical plunder; 2 Phill. Ins. c. xvi.; 21 Pick. 456; 11 id. 90; 7 id. 159; 7 C. & P. 597; 3 id. 323; 1 Conn. 239; 9 Mart. 276; 18 La. 77; 5 Ohio 306; 6 id. 70, 456; 3 Cranch 218;1 Cow. 265; 4 id. 222; 5 id. 63; 4 Wend. 255; 11 Johns. 315. Particular average on freight may be by loss of the ship, or the cargo, so that full freight cannot be earned; but not if the goods, though damaged, could have been carried on to the port of destination; 2 Phill. Ins. c. xvi. sect. iii. 9 id. 21; 15 Mass. 341; 23 Pick. 405; 2 McLean 423; 1 Story 342; 2 Gill 410; 12 Johns. 107; 18 id. 205, 208; 1 Binn. 547. Particular average on goods is usually adjusted at the port of delivery on the basis of the value at which they are insured, viz.: the value at the place of shipment, unless it is otherwise stipulated in the pol icy; 2 Phill. Ins. §§ 145, 146; 2 Wash. C. C. 136; 2 Burr. 1167; 2 East 58; 12 id. 689; 3 B. & P. 308; 3 Johns. Ch. 217; 4 Wend. 45; 1 Caines 543; 1 Hall 619; 20 Pa. 312; 36 E. L. & Eq. 198; 3 Taunt. 162. See SAL VAGE; LOSS. A particular average on profits is, by the English custom, adjusted upon the basis of the profits which would have been realized at the port of destination. In the United States the adjustment is usually at the same rate as on the goods the profits on which are the subject of the insurance; 2 Phill. Ins. §§ 1778, 1774; 2 Pars. Ins. 899; 2 Johns. Cas. 36; 3 Day 108; 1 Johns. 433; 3 Pet. 222; 1 Sumn. 451; 8 Miss. 63; 1 S. & R. 115; 6 R. I. 47. PETTY AVERAGE consists of small charges which were formerly assessed upon the cargo, viz.; pilotage, towage, light-money, beaconage, anchorage, bridge-toll, quaran- tine, pier-money. Le Guidon, c. 5, a. 13; Weyt, de A. 3, 4; Weskett, art. Petty Av.; 2 Phill. Ins. § 1269, n. 1; 2 Arnould, Mar. Ins. 927. The doctrine of general average which has obtained