Marine cargo clause limiting liability on a claim to payments for reconditioning of the cargo, the cost of new labels and re-labelling.
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This clause protects the insurer in case where the material inside is intact but the external wrappers or labels are defaced, damaged or stained. In such cases, insurer’s liability is restricted to the cost of replacement of the labels or wrappers and reconditioning the goods but a total loss cannot be claimed by the assured. This clause is more relevant when the assured is a manufacturer himself and in case of loss of or damage to labels on his manufactured items, can re-label them.

Gangs of individuals whose leader, the labour master, negotiates work and payment with employer. The work is usually casual in the construction industry, agriculture or horticulture. As the gang usually works alongside the employer’s staff, they are brought within the employers’ liability policy definition of employees’. The definition includes: ‘labour masters and persons supplied by them…

Sub-contractors, often in the building trade, who contract to supply work not materials. They are within the employers’ liability policy definition of ’employees’ similar to labour gangs.