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Institute Cargo Clauses C

Insurance

Basic marine cargo insurance covering only major casualty perils like vessel sinking, stranding, fire.

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The C form is the narrowest of the three Institute Cargo Clauses issued by the Joint Cargo Committee of the Lloyd’s Market Association and the International Underwriting Association. It is a named-perils wording concentrated on major casualty events affecting the carrying vessel or conveyance rather than on damage to individual consignments, so a great deal of the loss that actually befalls cargo in ordinary transit falls outside it. Buyers choose C where the goods are rugged or of low value and the real concern is a catastrophic loss of the ship. The gap between C and A is wide enough that treating them as interchangeable “marine cover” is a serious mistake; confirm which form is on offer.
Why nothing is quoted here. This lexicon quotes only text it has actually read, from the body that issued it. The instrument described above has a real owner, named in the paragraph, but that owner does not publish the operative wording openly, and reproductions circulating on brokers’, carriers’ and consultants’ websites are not the issuing body’s publication and are not treated as the source. So this entry describes the instrument’s role and structure and stops there. For the wording that will actually govern your transaction, go to the issuing body — and read the version your contract incorporates, since these texts are revised.

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From the AJG lexicon archive (July 2026).

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