— Also termed additional-perils clause. [Cases: Insurance 2228, 2231. C.J.S. Insurance §§ 997, 1011–1012.]
“The most celebrated decision of recent times under the ‘general’ clause was doubtless Thames & Mersey Marine Ins. Co. v. Hamilton, Fraser & Co., 12 App. Cas. 484 (1887). A pump, insured as part of the machinery of a vessel, clogged through valve failure and was damaged. The House of Lords held this accident arose neither through a ‘peril of the sea’ nor through a cause ejusdem generis with the enumerated perils…. This was a disquieting decision, for it more than suggested that many costly accidents that might be suffered by the expensive machinery on steam vessels were not covered by the standard marine policy. The result was the inclusion of the celebrated ‘Inchmaree’ clause in hull policies, extending special coverage not only to machinery breakage but to many other classes of loss not covered by the standard perils clause as restrictively construed.” Grant Gilmore & Charles L. Black Jr., The Law of Admiralty § 4-8, at 74 n.90 (2d ed. 1975).
