1. Particular Average is defined by Marine Insurance Act as a partial loss caused by a peril insured against and which is not a General Average loss and is a partial loss arising from accident.
2. Particular average loss falls directly on party interested in subject matter.
3. So, in case of hull damage the ship owner / underwriter will bear the loss.
4. Examples are: loss of deck cargo in heavy weather, damage to hull/cargo due to fire, damage to ship/cargo due to collision etc.