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Restraint

Any manual method or physical or mechanical device, material, or equipment attached to or adjacent to a client’s or patient’s body that the individual cannot remove easily and that restricts freedom of movement or normal access to one’s body. Chemical restraints are any drug used for discipline or convenience and not required to treat medical symptoms.

Restraints

One of the perils covered by a plain for of Marine policy is “arrest, restraints and detainments of all Kings, princess, and people.” The term refers to political and executive acts, and does not include a loss caused by riot or by ordinary judicial process. An embargo is a restraint, but the anticipation of an embargo is not “People” means the governing power, not the mob.

Restrictive covenant

Condition in a property-related deed that limits the use or development of land/buildings by subsequent purchasers. The encumberance affects the marketability of the title and creates a risk, insurable under a restrictive covenant indemnity, for anyone who infringes it.

Restrictive covenant indemnity

Indemnifies the insured in the event of any third party attempting to enforce a restrictive covenant. The breach may be either an existing breach or a forthcoming development of the property of which the insurers were aware at inception. Mortgagee’s interests and successors in title are automatically covered. The single premium policy runs in perpetuity and includes the insured’s costs in defending a claim.

Restrictive endorsements

Liability term excluding liability arising out of particular work circumstances, e.g. builder’s policy may exclude work more than 40 feet in height or working on high structures like blast furnaces. There is nothing in compulsory employers’ liability legislation to prohibit such restrictions (Dunbar v. A & B Painters (1985)), but they are not favoured and more likely to be applied to public liability cover.