Covers loss due to goods being rejected or condemned by the governmental authorities of the importing state. Insurance is arranged by exporters of consumer goods, including food, that may be perceived to have a health risk. Cover is conditional upon high standards of quality control in the country of origin.

Financial benefits provided on death or retirement, other than permanent health benefits or sums payable on accidental death in service, that are relevant to an occupational pension scheme for the purpose of ‘exempt approved’ status. IR 12 (Practice Notes) sets out the detail.

Cleaning-up and restoring land that has become contaminated. Costs can be recovered under first party insurances and liability to third parties may be covered under environmental impairment liability. Local authorities can compel owners/occupiers to remediate contaminated land.

A non-dominant cause linked to a chain of events that culminates in a loss. The remote cause facilitates the loss rather than causes it. In Marsden v. City & County Assurance Co. (1865) a fire broke out and a mob assembled and broke plate glass windows in neighbouring premises with view to looting. The action of the mob, not the fire, was the proximate cause.

Describes the lack of a sufficiently direct connection between the wrong complained of and the injury alleged to have been sustained. ‘Negligent’ defendants are not liable for damage that is too remote.
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Where damage is only indirectly caused by an event giving rise to liability, or where the occurrence of the damage could not reasonably have been foresee, it is said to be remote and is not recoverable.

Property insurance clause extending cover to include costs of clearing away debris, dismantling, shoring and propping up following insured damage. Sums insured are normally increased by 5-7.5 per cent to allow for these expenses.

A construction industry and civil engineering risk which will generally constitute a nuisance (Bower v. Peate (1876)) making the creator or person who authorised the nuisance liable for the damage without proof of negligence. See JCT 21.2.1 NONNEGLIGENT COVER; COLLAPSE INSURANCE.

Specialised form of captive for businesses seeking the benefits of internal funding without incurring the costs of forming their own captive. A rent-a-captive is formed by a group of investors and operated as a business. Insureds wishing to participate ‘rent’ space, i.e. get their own account, in the captive.
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A specialized form of captive insurance company operation designed for businesses that do not want to own a captive but want to obtain some of the advantages offered by captives. A rent-a-captive is formed by a group of investors and operated as an income-producing business. Insureds who wish to participate rent space in the captive instead of setting up and capitalizing their own captive insurance company.