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Simple English definitions for legal terms
Inchmaree clause
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A quick definition of Inchmaree clause:
The Inchmaree clause is a part of maritime law that protects against risks that are not caused by nature, such as a sailor's mistake or a problem with the ship's machinery. It is named after a British ship that sank in 1884, which led to a court case that created this clause. The clause is also called an additional-perils clause and is included in insurance policies to cover losses that are not covered by the standard perils clause.
A more thorough explanation:
The Inchmaree clause is a provision in maritime insurance policies that protects against risks that are not caused by natural events. These risks can include a sailor's negligence or a latent defect in machinery.
The clause gets its name from a British ship called the Inchmaree, which sank in 1884. The resulting litigation led to the creation of this clause.
For example, if a ship's machinery breaks down due to a defect that was not caused by a natural event, the Inchmaree clause would provide coverage for the resulting damages.
This clause is important because it extends coverage beyond the standard perils clause, which only covers losses caused by natural events such as storms or collisions with other vessels.