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Hague-Visby Rules

Drawn up following Brussels Protocol 1968 to replace the Hague Rules, 1924. They are appended as a Schedule to the Carriage of Goods by Sea Act 1971. The rules have been adopted by several countries to establish a uniform code of carriage of goods by sea shipped under bills of lading.

Hail insurance

Insurance of property against damage caused by hailstorms. It is written on buildings, their contents, and growing crops.
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Contract of Insurance covering property against damage caused by hall and hailstorms.

Hamburg Rules

UN proposal in 1978 to overhaul the Hague Rules. The proposal makes the sea carrier liable for all damage to cargo regardless of cause and without limitation. The rules, opposed by the US and the UK, will come into effect when approved by 20 countries.
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Proposed rules for the carriage of goods by sea which substantially eliminate ship owners’ exemptions from liability for damage to cargo arising from e.g., fault in management, fault in navigation, or fire.

Hancock annuity

Annuity purchased by an employer for a former employee. If the employer’s clear intention was to provide an irrevocable pension for an already retired employee, when the purchase price is paid, the amount will attract tax relief (Hancock v. General Reversionary & Investment Co. Ltd (1918)).

Handicappccaped

As defined by Section 504 of the Rehabilitation Act of 1973, any person who has a physical or mental impairment that substantially limits one or more major life activities, has a record of such impairment, or is regarded as having such an impairment.