(1)自然力造成的损失
指由自然界中常见的破坏性力量所造成的损失。

(2)突发性损失
指突发、异常、意外的事件或行为带来的损害，与渐变、磨损、损耗等情形相区别。

• freedom of communication
• freedom of conscience
• freedom of contract
• freedom of expression
• Freedom of Information Act/F.O.I.A.
• freedom of movement
• freedom of religion
• freedom of speech
• freedom of speech, expression and the press
• freedom of the city
• freedom of the seas
• freedoms of the air
• freedom to hold private property
• freedom to work
• free election
• free enterprise
• free entry
• free entry, egress and regress
• free exercise clause
• free fishery
• free flow of labor
• free fold
• free from all average/F.A.A.
• free from alongside
• free from average unless general