Clause A

(insurance) One of three standardized marine insurance contract clauses established by the Institute of London Underwriters (ILU) in 1982 and revised in 2009 that define: the risks covered, exclusions, duration, claims, benefit of insurance, minimizing losses, avoidance of delay, and law and practice. Institute clauses are widely accepted worldwide.
Clause A coverage essentially replaces the historic “All Risks” clause. It is the most comprehensive of the three, and covers “fortuitous” loss but not “inevitable” loss. It excludes willful misconduct, ordinary wear and tear, insufficient packing, natural decay of goods, delays, default by the carrier, and deliberate damage by the carrier.
For the full text of Institute Cargo Clause A, go to: See also the Guide to Cargo Insurance appendix to this book.

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