Dabney v. New England Mutual Marine Insurance

96 Mass. 300
Massachusetts Supreme Judicial Court·Decided January 15, 1867·Published

Opinions

Bigelow, C. J.

The precise question which this case presents for adjudication is a novel one, but we think that its solution can be satisfactorily reached by the application of a few well settled principles of law to the admitted facts.

The claim of the plaintiff is to recover on a policy of insurance on a vessel belonging to his principal, in whose behalf this action is brought, a contribution to general average for a jettison of a portion of the cargo. It seems to be conceded by both parties, that the controversy between them as to the validity of this claim turns entirely on the determination of the question, w'hether the destruction of part of the cargo was made under such circumstances as to constitute a general average loss. The elements necessary to establish a valid claim for such a loss against an insurer are too familiar and well settled to be the subject of controversy. It must be made to appear that there was a peril of the sea impending over the subject insured ; that a voluntary sacrifice of property on board was made for the purpose of escaping such peril; and that safety from the imminent danger was thereby secured.

In the application of this rule to the present case, a preliminary inquiry suggests itself. It is a rule of the law of insurance, as settled in this commonwealth, that in addition to the implied [305] warranty of seaworthiness which applies to the condition of the vessel at the commencement of the voyage, and which must be strictly complied with, it is also an obligatory duty on the part of the insured to keep her during the voyage insured in a suitable condition for the service in which she is engaged ; and if he fails to do so, either through his own neglect or by the fault of his agent the master, and a loss happens which is attributable to that cause, the assured and not the underwriters must bear it, because it is a breach of his implied undertaking. Copeland v. New England Ins. Co. 2 Met. 432, 439. Without going into the vexed question as to the nature or kind of negligence or fault on the part of a master in the course of a voyage, which will absolve the underwriters, we suppose it may be stated as beyond controversy, that if a master, in the absence of fraud, through a mistaken sense of duty, deliberately does an act the necessary consequence of which he knows will be to render his vessel unseaworthy for the voyage insured, and no real necessity or valid justification is shown to exist for the act of the master, such conduct would be a breach of the implied undertaking by the assured, and would defeat any claim under the policy based on a loss happening by reason of the unseawortbiness thereby created. For example; a master could not without a valid excuse lawfully go out of the course of his voyage and change the condition of his vessel by taking passengers on board at an intermediate port in such numbers as to be clearly beyond the capacity of his vessel, and thereby render her innavigable. The unseaworthiness which such conduct would create would be a clear breach of contract; and if in such case a jettison was made in order to restore the navigability of the vessel and render her seaworthy, it would be in consequence of the fault of the master, and furnish no ground for a claim by the owners of the vessel for a general average contribution. The answer to any such claim would be, not that the jettison -was not caused by a peril of the sea, but that there had been a violation of the undertaking to preserve the seaworthiness of the vessel, to which the jettison was attributable, which defeated the right of the in sured to recover on his policy.

[306] But, on the other hand, it is equally clear that if a vessel sailed on a voyage in a seaworthy condition for the voyage, and while in mid ocean, by the operation of circumstances which involved no fault or breach of duty by the master, she became innavigable and unseaworthy and unable to continue on her course, and her capacity for the further prosecution of the voyage could be restored only by a jettison of part of the cargo, which was made accordingly, and the voyage subsequently completed in safety, such jettison would in contemplation of law be deemed to have been caused by a" peril of the sea, and to constitute a good ground for a claim for a general average contribution. This would be so certainly, if the jettison could be properly deemed to have been made in consequence of the unseaworthy condition of the vessel, and for the purpose of restoring her to a navigable condition.

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Dabney v. New England Mutual Marine Insurance, 96 Mass. 300 (Mass. 1867).

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