Rougeclair house

The underwriting house whose name gives the 'Rougeclair premium', a loading on a risk the underwriter cannot describe. It publishes its loadings for season, ground, reopened quays and cargo classes, revises them annually and states its grounds in writing when it declines a risk.

At the table

The idiom is place-derived and entered British speech through the trade. Several classes of cargo now move under stowage the house effectively invented by refusing everything else; capital underwriters call this interference, masters call it the only underwriting they learned from. A Rougeclair loading is the clearest signal of what the trade privately thinks of a route.