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middlesmith From dictionary.com:
Inch·ma·ree clause
Pronunciation: 'inch-m&-rE-
Function: noun
Etymology: after Inchmaree, a British steamer whose 1884 sinking in Liverpool harbor resulted in its formulation
: a clause in a marine insurance policy that covers damage or loss caused by the negligence of a vessel's own captain or crew or by any defect in the ship's hull or machinery
See? Boring. Jan 7, 2010