Generally, at whose risk is a deck cargo carried?

At the shipper’s risk, or to be more accurate, at the risk of some party other than the carrier. (The risk of loss/damage transfers from shipper to consignee.)

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What must a shipper of cargo intended to be stowed on deck do where the carrier’s normal contract terms incorporate the Hague- Visby Rules?

Why does deck cargo warrant a special agreement between shipper and carrier?