星級典句：

第一句：We cannot hold ourselves responsible for it but insurance company.
你們的貨物抵達時損壞很嚴重。

A: Your goods arrived are badly damaged.
你們的貨物抵達時損壞很嚴重。
B: That's because something goes wrong in the delivery process.
那是因為運貨過程出了問題。
A: We claim for all our loss.
我們要求賠償所有損失。
B: We cannot hold ourselves responsible for it but insurance company.
你們的貨物抵達時損壞很嚴重。

第二句：I mean the claim should be referred to the insurance company.
我方的意思是貴方應該向保險公司索賠。

A: I beg your pardon.
請您再說一遍。
B: I mean the claim should be referred to the insurance company.
我方的意思是貴方應該向保險公司索賠。
A: We will think about it.
我方會考慮的。

其他表達法：

Your claim, in our opinion, should be referred to the insurance company, as the mishap occurred after shipment.
以我方所見，貴方應向保險公司索賠，因為事故是在裝船后發生的。

按索賠依據分類：有合同規定的索賠（合同中有明示條款）；有非合同規定的索賠（合同中有默示條款）；有道義索賠。