Why would a shipper want a clean bill of lading when a clean bill of lading is not justified by the order and condition of cargo?

To enable him to comply with the terms of a letter of credit which requires him to tender a full set of “clean on-board ocean bills of lading” to a bank in order to be paid the invoice price of the goods.

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What is the purpose of the Carriage of Goods by Sea Act 1992?

In which of the two circumstances in the last answer should an offered letter of indemnity never be accepted?