Institute Strikes Clause by cargo cover marine insurance agents for indian exporters
Institute Strikes Clause by cargo cover marine insurance agents for indian exporters

Institute Strikes Clauses (Cargo) is a standalone add-on marine insurance policy that covers cargo losses caused by strikes, locked-out workers, labour disturbances, riots, and civil commotion — risks that are completely excluded from standard ICC A, B, and C clauses — making it essential cover for Indian exporters shipping through ports, regions, or trade lanes prone to labour unrest or political instability.

Why Institute Strikes Clauses Exist

Standard cargo insurance (ICC A/B/C) automatically excludes losses arising from strikes, riots, and civil commotion (SRCC). Institute Strikes Clauses (Cargo) is designed specifically to fill this gap, giving exporters protection when cargo is damaged, delayed, or lost due to industrial action or civil unrest at ports, warehouses, or during transit.

What Institute Strikes Clauses Cover

1. Strikers
Loss or damage to cargo directly caused by strikers or workers participating in a labour stoppage.

2. Locked-Out Workmen
Damage arising from workers who have been locked out by employers during an industrial dispute.

3. Persons Taking Part in Labour Disturbances
Covers loss caused by individuals involved in riots or labour-related civil disorder, whether or not part of an official strike.

4. Riots and Civil Commotion
Physical loss or damage from riots, civil unrest, or public disorder affecting ports, warehouses, or transit routes.

5. General Average and Salvage Charges
Contribution toward general average or salvage costs arising from an insured strikes/riots event.

6. Terrorism (in Some Extended Wordings)
Certain strikes clause extensions include cover for acts of terrorism, though this is often more explicitly addressed under War & SRCC clauses.

What Institute Strikes Clauses Exclude

  • Loss from delay, even if caused by an insured peril

  • Loss of market or trading loss due to disruption

  • War, civil war, insurrection, or hostile acts by armed forces (covered separately under War Clauses)

  • Ordinary wear, tear, or inherent vice of the cargo

  • Willful misconduct of the insured

  • Insolvency or financial default of carriers