Separate policies covering the same property but where the overlap is not complete as one policy may be specific (insures A) and the other more general (insures A, B and C). If A is damaged contribution may arise subject to the two conditions of average.
Insurance Encyclopedia
Non-consumer sales
A non-consumer sale takes place when the purchaser buys the goods for his business. All businessto-business transactions are non-consumer sales. The seller is permitted to exclude his liability for the implied terms under the Sale of Goods Act 1979, fitness for purpose and satisfactory quality, provided that the exclusion clause passes the test of reasonableness. Compare with consumer sales.
Non-Contribution Clause
A clause in a contract of indemnity which seeks to provide that in the event of another insurance covering a claim the insurers with the non-contribution clause shall not be required to contribute to settlement of the claim.
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See: More Specific Insurance Clause.
Non-contributory
Pension schemes and employee benefit plans when the cost is wholly borne by the employer. The term does not apply to contributory schemes under which contributions are suspended during a contribution holiday.
Non-Currency
Two policies issued on the same interest that do not agree in their terms.
Non-delegable duties
Duties of a personal nature. The person responsible has a duty to see that proper care is taken and, even though he may engage a contractor to carry out the duties, he remains liable for any breach of duty. For example, a principal may engage a contractor to perform acts involving strict liability as in Rylands v. Fletcher.
Non-delivery
Loss in which the entire shipping package and its contents fail to arrive at its destination. Compare with short delivery.
Non-disabling Injury
An injury which may require medical care, but does not result in loss of working time or income.
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An injury which does not hamper the insured person from performing his occupational duties.
Non-disabling injury (Health Insurance)
A lesser injury that may be eligible for a small benefit; for example, a month’s payment of disability benefits. This type of injury is less severe than a total or partial disability.
Non-disabling injury rider (Health Insurance)
A rider found in disability income policies that does not pay a benefit. Instead, it allows for the payment of medical costs that are sustained due to an injury that does not cause a total disability.