An insured risk which occurs accidentally as a result of deflects in a ship is?

An insured risk which occurs accidentally as a result of defects in a ship is called a "particular average". This term is used in marine insurance to describe a partial loss that is not a result of a total loss of the insured property, such as a ship or cargo. In this case, the loss is caused by accidental damage to the ship resulting from defects, such as leaks or structural failures, rather than from a specific cause such as a storm or collision. The policyholder is entitled to compensation from the insurer for the loss suffered, subject to the terms and conditions of the policy.