McCargo v. New Orleans Insurance

10 Rob. 202
CourtSupreme Court of Louisiana
DecidedMarch 15, 1845
StatusPublished
Cited by2 cases

This text of 10 Rob. 202 (McCargo v. New Orleans Insurance) is published on Counsel Stack Legal Research, covering Supreme Court of Louisiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
McCargo v. New Orleans Insurance, 10 Rob. 202 (La. 1845).

Opinion

Bullakd, J.

This case, together with six others, growing out of the loss of the slaves on board the brig Creole, which was carried by the mutineers into the harbor of Nassau, in November, 1841, and which has been the subject of so much diplomatic, as well as forensic discussion, was elaborately argued last, summer, before the adjournment of the court, both by brief, and viva voce. They are actions upon several policies of insurance, underwritten by different insurance companies in this city, upon slaves shipped on board that vessel for this port. As all the cases relate to the same voyage, and all the slaves insured were lost at the same time and by the same disaster, they have all been considered together ; and it is supposed that the opinion which we are about to pronounce in one of the cases, will be decisive of all.

The first question is, what risks did the insurers assume 1 In the present case, and in three others, the terms of the policy are: “ Warranted free from elopement, insurrection, and natural death.” In one of them, to wit, Lockett v. The Firemen's Insurance Company, it is stipulated that the “insurers are not liable for suicide, mutiny, natural death, or desertion.” In the re[313]*313maining two cases, it is declared that the company shall not be liable for “ suicide, desertion, or natural death.”

In common parlance, there is little or no difference between mutiny and insurrection. In this very case, in the briefs of counsel, in the statements of witnesses, and -in the official correspondence, the rising of the slaves on board is called, indis, criminately, mutiny and insurrection. The parties are supposed to have had in view, the conduct of the slaves, who formed the subject of the insurance, rather than the obedience and subordination of the crew, whose forcible resistance of the authority of the master, would be mutiny, technically speaking. The only difference, therefore, in our opinion, between that case in which the word mutiny is used, and those in which the policy contains the word insurrection, is, that in the first the mutiny is clearly an excepted risk, and in the others is presented the question, much discussed at the bar, whether the expressions amount to a technical warranty, or were only intended to exempt the insurers from the risk of insurrection. On the one hand it has been contended, that it amounts to a warranty, and that the occurring of the insurrection, whether it was the cause of the loss or not, was a breach of warranty, and put an end to the policy; while, on the other hand, it is said, that the only effect of the clause was to throw the risk of loss by insurrection upon the owners, or shippers, leaving all other sea risks to be supported by the underwriters, notwithstanding the happening of the insurrection.

The word warranted is used; but there is often a warranty in form, where there is none in fact; as in the familiar instances of warranted free from average — free from detention and capture, which mean nothingmore, than that those shall not be among the perils and-losses insured against, and for which the underwriter is to be liable. Although these forms of expression (says Phillips) are sometimes spoken of as warranties, it would be absurd to consider them such in their character and construction, since in an insurance free from average, for instance, it would be adopting the doctrine, that the occurrence of the average loss would render the policy void, and consequently the happening of a loss, which is not insured against, deprive the assured [314]*314of the right to recover for one-that is insured against. 1 Phillips, 127.

We, therefore, view the terms of the policy as not creating a warranty, but only as exempting the insurers from any liability on account of losses which might be sustained in consequence of a mutiny, or insurrection on board; they assuming all other risks, and particularly restraints, arrests, and detentions by foreign powers, or the emancipation of the slaves by foreign interference. All the cases then, which have been argued, may be classed in two categories. 1st, those in which the underwriters assume the risk of loss from insurrection; and 2nd, those in which they are exempted from that loss, by the terms of the policy. The case now under our immediate consideration, belongs to the latter class, the defendants not being liable for insurrection, elopement, and natural death.

The great question,-therefore, upon the merits, which this case, and the others of the same class present, is, whether the loss of the slaves was caused by the insurrection, or by illegal and unauthorised interference on the part of the authorities of Nassau.

The cargo of the Creole consisted of one hundred and thirty-five slaves, besides some tobacco. She left Richmond on the 25th of October, and after remaining in Hampton Roads one day, went to sea on the 31st. Nothing occurred on board even to create suspicion, until the evening of the 7th of November, when they hove-to off the Island of Abaco. During the first watch, about half past nine, the mate, who was on deck with three seamen, was informed that one ol the negro men was in that part of the hold where the women were, contrary to the regulations on board. Merritt, one of the agents on board, who was asleep in the cabin, was called up. He lit a lamp, which enabled them to see one of the slaves, by the name of Madison, in the hold where the women were. Merritt asked him, if he knew the consequences of his conduct. He replied that he did, and sprang for the hatchway to get on deck ; as he got on the steps to come up, Merritt seized him by the legs and the mate by the shoulders, but he got away from them, and pushed the mate back. At that instant, a pistol was shot, which grazed the [315]*315back of the mate’s head. He flew to the cabin to call all hands, and as they came out from the cabin, whither he was followed by four or five of the slaves, the fight commenced with pistols, a musket, and bowie knives. Hewell, a passenger, was killed ; Captain Ensor, badly wounded, sought safety in the main-top, whither the mate had already fled. In a few minutes the mutineers were completely-masters of the brig, having subdued the officers and crew. Nineteen of them took charge, and compelled the mate and crew, by constant vigilance and threats, to navigate the brig to the port of Nassau, in New Providence. From the Hole-in-the-Wall, which theymade the next morning, they compelled the crew to change the direction of the vessel from her. direct course to the mouth of the Mississippi, and to steer for Nassau. The compass was watched to prevent the course being changed, and they were compelled, by threats of instant death, to take the brig into Nassau, where they arrived on the 9th of November, in the morning. It is beyond all question, that the insurrection was completely successful; all resistance was vain, and no attempt was made by the whites to regain their ascendency. The brig was taken into Nassau by the slaves, in this state of successful revolt. It is quite/unnecessary to dwell upon the particulars of the contest, which took place in the darkness of the night, but was brought about so suddenly, and yet with such evident readiness of preparation at the first signal, as to leave no doubt that the arms used were already loaded, and the plot formed so as to explode on reaching the vicinity of the Bahama Islands. The leaders of the revolt appear to have known that they were not far from those islarids, and said they wished to go to Abaco.

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Bluebook (online)
10 Rob. 202, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mccargo-v-new-orleans-insurance-la-1845.