星级典句：

第一句：We cannot hold ourselves responsible for it but insurance company.
你们的货物抵达时损坏很严重。

A: Your goods arrived are badly damaged.
你们的货物抵达时损坏很严重。
B: That's because something goes wrong in the delivery process.
那是因为运货过程出了问题。
A: We claim for all our loss.
我们要求赔偿所有损失。
B: We cannot hold ourselves responsible for it but insurance company.
你们的货物抵达时损坏很严重。

第二句：I mean the claim should be referred to the insurance company.
我方的意思是贵方应该向保险公司索赔。

A: I beg your pardon.
请您再说一遍。
B: I mean the claim should be referred to the insurance company.
我方的意思是贵方应该向保险公司索赔。
A: We will think about it.
我方会考虑的。

其他表达法：

Your claim, in our opinion, should be referred to the insurance company, as the mishap occurred after shipment.
以我方所见，贵方应向保险公司索赔，因为事故是在装船后发生的。

按索赔依据分类：有合同规定的索赔（合同中有明示条款）；有非合同规定的索赔（合同中有默示条款）；有道义索赔。